PATENT CLAIM ANALYSIS

Application Number: 15938240
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-08
Patent Classification: ["726", "004000"]

Abstract:
A method, apparatus and computer program products are provided for performing payment option aggregation. One example method includes receiving, for example, from an e-commerce platform, a request to complete a transaction, the request comprising identifying information, authenticating a user utilizing the identifying information, accessing one or more payment entities using the authenticated user identifying information to identify payment options, each payment option having an associated payment method, providing, for display, a descriptor associated with each of a portion of the identified payment options, and receiving an indication of a selection of at least one payment option.

Claim (Index 24):
The apparatus according to  claim 19 , wherein the subset of one or more payment entities from which to solicit payment options comprise predetermined set of one or more credit card companies, payment processors, or banks, each member of the subset of one or more payment entities from which to solicit payment options configured to identify known and authorized payment accounts associated with the identifying information.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 90.0
- Lexical Diversity: 1.86441
- Patent Class: 726.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13755262', '11537347', '14202765', '13358475', '13342077']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2912663060703765
- 35 USC 102 Novelty (BERT): 0.4804053315939356
- Combined Prediction Score: 0.3101802086227325
- Mean Citation Score: 185.672904
- Max Citation Score: 200.63667
- Similarity Product: 151.22545853087425

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

Dataset: test