PATENT CLAIM ANALYSIS

Application Number: 15860237
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "044000"]

Abstract:
A secure electronic money reserve, accounting, and funds transfer system facilitating funds and information transfer between a service provider, at least one service establishment, and at least one customer.

Claim (Index 1):
A secure electronic money reserve, accounting, and funds transfer system facilitating funds and information transfer between a Service Provider, at least one Service Establishment, and at least one Customer comprising:\n A) at least one Service Establishment acquiring and running at least one Administration Smart Device an Administration Application that virtually or in combination and coordination with physical steps provides services, exchanges currencies, allows at least one Customer to access at least one User Account, allows at least one Customer to transfer and/or convert funds into Chips (or credit) and to convert said Chips (or said credit) into funds or funds contained in at least one Primary User Account, provide at least one electronic, stored or savable and/or printable receipt and/or report for at least one Transaction by performing in no particular order:\n downloading and/or installing said Administrative Application received from Service Provider or website or application, an app store, or other designated location and/or other location in communication with said Service Provider website or application;\n or \n \n downloading and/or installing the said Administrative Application from said Service Provider website or application, an app store, or other designated location and/or other location in communication with said Service Provider website or application AND initiating the said Administrative Application;\n or \n \n initiating the said Administrative Application; \n Registering and/or Sign-in to the said Administrative Application comprising at least one of the following steps:\n a) filling in at least one user profile data field and/or establishing a password and/or entering at least one biometric data; \n wherein said at least one user profile data field if present contains in whole or in part at least one of: e-mail address, phone number, at least one name, at least one address, at least one user name, at least one other sign-in request or requirement with or without auto fill and/or add to at least one menu (drop down or other), questions and answers; \n b) Sign-in by entering the said at least one user profile data field and/or said password and/or said at least one biometric data;\n or \n \n c) accessing Administration Application upon initiation with no Sign-in required; \n \n creating and/or acquiring and/or printing at least one of the following: at least one set of instructions, manuals, tutorials, provide terms and conditions, and/or guidance in the operation of said Administration Application and proper usage of said Administration Smart Device to be utilized in specific ways; \n Setting up, managing, administering at least one User Account; \n entering or crediting from at least one Funds Source money to at least one Primary User Account or at least one User Account; \n retrieving money from at least one Primary User Account or at least one User Account; \n converting retrieved said money to cash and/or Chips; \n converting Chips into money that can directly credit at least one Primary User account; and/or be used to convert said Chips into funds or currency; \n linking at least one Primary User Account and/or at least one User Account with at least one other Primary User Account and/or at least one other User Account; \n performing at least one Customer-authentication and/or verification in real time and Customer-initiated Transaction; \n enabling at least one Service Establishment to send at least one invitation to at least one Customer and/or Potential Customer using said Service Establishment Application to increase sales, volume, and popularity; \n offering through the Service Provider special discounts, promotions, offers, inducement, specials, and rewards to at least one Customer, and can be created, disseminated, and received in real time; \n sharing between at least one Entity and at least one other Entity information about Events and/or the ability by at least one Entity to create at least one Event; \n enabling at least one Service Establishment to offer at least one inducement to at least one Customer to get said Customer to send at least one invitation to at least one Potential Customer using said Customer Application to increase sales, volume, and popularity; \n tracking the location of at least one Customer and/or Potential Customer and display on at least one map being displayed on at least one Service Establishment Smart Device; \n uploading data and/or at least one lists; \n generating at least one Report; \n deleting and/or modifying at least one data from at least one database; \n receiving, accepting, and crediting User for at least one transfer from User accounts to Service Establishment account(s) including;\n the appropriate service establishment representative being notified that a transfer of funds from a particular User to the Service Establishment has occurred at allocation within the establishment and location of transfer device; \n representative locates User in establishment and see's the user's verification screen, displaying their transaction barcode; \n using the representative's smart device scan feature that is built into the service establishment version of the Software application representative scans the uniquely generated barcode on screen of the user's smart device; \n ONCE THE BARCODE or FINGERPRINT IS SCANNED:\n the representative's smart device screen displays the user's profile picture for additional security measures and the transaction will be detailed and an APPROVE button for the representative to move the money into the service establishment's account is present; \n representative can cancel or not approve or accept the transaction based on screen information and identification or approve and have transaction completed by establishment by approving; \n Once the transaction is complete:\n the representative will have the option to print a receipt to drop into the drop box; \n and/or \n no receipt is needed and everything is documented digitally in the reports section of the administrative app; \n \n \n at least one Customer acquiring and running in at least one Customer Smart Device a Customer Application enabling at least one Customer to perform the following in no order:\n manually entering the URL of and/or going to the Service Provider website or application or Approved Source or taking at least one photograph and/or scan of at least one code and/or QR code and using resident recognition software on the said Customer Smart Device to recognize and/or read said at least one code and/or QR code to direct the Customer to the Service Provider website or application or other Approved Source where the Customer Application is available to do at least one of the following:\n downloading and/or installing a Customer Application from the Service Provider website or application, an app store, iStore, or other designated location and/or other location in communication with said Service Provider website or application, an app store, iStore, or other designated location and/or other location in communication with said Service Provider website or application\n or \n \n downloading and/or installing the said Customer Application from the Service Provider website or application, an app store, iStore, or other designated location and/or other location in communication with said Service Provider website or application, an app store, iStore, or other designated location and/or other location in communication with said Service Provider website or application AND initiating said Customer Application\n or \n \n initiating said Customer Application; \n \n registering and/or Sign-in to the said Customer Application comprising at least one of the following steps:\n a) creating a Primary User Account or creating a Primary User Account and at least one other User Account by filling in at least one user profile data field and/or establishing a password and/or entering at least one biometric data; \n wherein said at least one user profile data field if present contains in whole or in part at least one of: last name, first name, e-mail address, phone number, at least one name, at least one address, at least one user name, at least one other sign-in request or requirement with or without auto fill and/or add to at least one menu (drop down or other), questions and answers; \n b) providing terms and conditions; \n c) Sign-in by entering the said at least one user profile data field and/or said password and/or said at least one biometric data\n or \n \n d) accessing Customer Application features upon said initiating said Customer Application with no Sign-in required\n or \n \n e) creating a Primary User Account or creating a Primary User Account and at least one other User Account by opening the Customer Application and doing the following:\n i) entering requested information required which includes at least one of: last name, first name, phone number, e-mail address, at least one account number and/or routing number; \n ii) after prompting selecting either said phone number and/or text or said e-mail address and/or other unique information and/or identifier to verify the account; \n iii) receiving a confirmation text and/or e-mail (with a link and/or code to validate the Customer); \n iv) clicking said link and/or code to create a Primary User Account and/or User Account; \n v) activation of Customer Application for the Customer, thus enabling at least one of the following Customer Application features to be available in no order: \n \u2003enabling funds transfer from at least one Source to at least one Destination; \n \u2003depositing money from at least one Funds Source to at least one Primary User Account and/or User Account; \n \u2003retrieving money from at least one Primary User Account and/or User Account; \n \u2003converting retrieved said money to cash and/or Chips; \n \u2003converting Chips into money that can directly credit at least one Primary User Account and/or User Account; \n \u2003linking at least one Primary User Account and/or User Account with at least one other Primary User Account and/or other User Account; \n \u2003performing at least one Customer-authentication and/or verification in real time and Customer-initiated Transaction; \n \u2003performing at least one transfer in real time and Customer-initiated Transaction from a particular Service Establishment including the following: \n \u2003the user decides to transfer funds to establishment for user's use at the establishment; \n \u2003user clicks the drop-down menu for prepopulated amounts and/or type in the desired amount; \n \u2003the user selects which service establishment to send the desired amount to: \n \u2003click the drop-down menu for prepopulated participating service establishments based on geo-location or the user can type in the desired service establishment; \n \u2003the user verifies information; \n \u2003user completes confirmation\u2014pass code, possibly a touch id verification; \n \u2003user selects amount and amount is displayed stating it was sent to the desired service establishment; \n \u2003A checkmark will be displayed to show the transaction has been completed; \n \u2003A scanable QR and/or bar code will be displayed that contains certain security biometrics such as unique transaction identification number, their user profile picture, their user id number, and other information may be included such as their loyalty or players card number, and the approved amount from the funding source; \n \u2003User alerts establishment representative of the transaction; receiving at least one Report; \n \u2003deleting and/or modifying and/or updating at least one data from at least one database; \n \u2003track the location of at least one Customer and/or Potential Customer and/or person and display on at least one map being displayed on at least one Customer Smart Device and/or Service Establishment Smart Device and/or Service Provider Smart Device; \n \u2003provide the ability to send at least one message and/or information to at least one Customer and/or person; \n \u2003provide the ability to receive at least one message and/or information from at least one Customer and/or person; \n \u2003the ability to receive from the Service Establishment through the Service Provider special discounts, promotions, offers, inducement, specials, and rewards to at least one Customer, and can be created, disseminated, and received in real time; \n \u2003enabling at least one Customer to send at least one invitation to at least one Potential Customer using said Customer Application to increase at least one Service Establishment sales, volume, and popularity; \n \n \n a Service Provider running a Service Provider Application in at least one dedicated specific Service Provider Smart Device that enables the management of at least one Primary User Account or at least one Primary User Account and at least one User Account, and coordination of the activities and/or communication and/or sharing of information between at least one Customer and at least one Service Establishment by performing the following in no order:\n maintaining at least Service Provider website or application and/or at least one other application; \n enabling at least one Potential Service Establishment to download at least one Administration Application onto at least one Administration Smart Device and providing terms and conditions, all features and interaction with at least one Potential Service Establishment to enable said at least one Potential Service Establishment to become at least one Service Establishment that can now conduct at least one Transaction with at least one Customer; \n enabling at least one Potential Customer to download either directly from the Service Provider and/or through at least one Service Establishment and/or Approved Source at least one Customer Application onto at least one Customer Smart Device and providing terms and conditions, all features and interaction with at least one Potential Customer to enable said at least one Potential Customer to become at least one Customer that can now conduct at least one Transaction with at least one Service Establishment; \n providing virtual and/or physical material to at least one Service Establishment for use by at least one Service Establishment; \n maintaining and servicing at least one Primary User Account and/or at least one User Account; \n enabling Funds transfer from at least one Source to at least one Destination; \n depositing money from at least one Funds Source to at least one Primary User Account and/or User Account; \n tracking the retrieving of money from at least one Primary User Account and/or User Account; \n tracking the conversion of retrieved said money to cash and/or Chips; \n tracking the conversion of and accounting for Chips conversion into money that directly credits at least one Primary User Account and/or User Account; \n linking at least one Primary User Account and/or User Account with at least one other Primary User Account and/or other User Account; \n performing at least one Customer-authentication and/or verification in real time and tracking and/or orchestrating at least one Customer-initiated Transaction; \n updating at least one Customer-initiated Transaction in at least one Primary User Account and/or User Account, which may include applying accrued discounts and/or inducements or specials or credit to said at least one Primary User Account and/or User Account which may or may not be Customer specific; \n managing interactions between at least one Customer and at least one Service Establishment; \n the ability of the Service Establishment to offer through the Service Provider special discounts, promotions, offers, inducement, specials, and rewards to at least one Customer, and can be created, disseminated, and received in real time; \n the ability to monitor all rewards offered by at least one Entity; \n sharing between at least one Entity and at least one other Entity information about Events and/or the ability by at least one Entity to create at least one Event; \n generating at least one report to at least one Service Establishment and/or Customer; \n providing support information about at least one Transaction to at least one Service Establishment and/or Customer in real time; \n providing at least one software update; \n deleting and/or modifying and/or updating at least one data from at least one database; \n track the location of at least one Customer and/or Potential Customer and/or person and display on at least one map being displayed on at least one Customer Smart Device; \n This invention requires a combination of human and machine interaction that renders the claimed invention more complex than what could be done solely by humans but also requires certain steps to be performed only by humans along with machines performing more complex steps than what could be done by humans.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 86.0
- Lexical Diversity: 1.47826
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13781498', '13106692', '13829961', '14608138', '13156444']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0938350208178454
- 35 USC 102 Novelty (BERT): 0.4713164051151846
- Combined Prediction Score: 0.1315831592475794
- Mean Citation Score: 189.452496
- Max Citation Score: 198.53677
- Similarity Product: 168.99029458835545

Labels:
- Claim Label 101: 0
- Claim Label 102: 1
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test