PATENT CLAIM ANALYSIS

Application Number: 15908209
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-07
Patent Classification: ["705", "066000"]

Abstract:
Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, enable parties conducting transactions to identify a financial institution and payment network for a financial account associated with a pre-provisioned payment token using existing payment protocols. The method may include receiving from a third-party device a request for funding account information that identifies a token that does not identify a financial service provider or a payment network. The method may further include accessing a database to retrieve token information associated with the token, the token information include a link account number that indicates a funding account, a financial service provider associated with the funding account, and a payment network, and user preferences associated with the token. The method may further include providing the link account number to the third-party device in response to the request for funding account information according to the one or more user preferences.

Claim (Index 32):
The method of  claim 31 , wherein the wearable device information is transmitted by a wearable device to the wearable device server via near field communication.

Metadata:
- Claim Count in Document: 2.0
- Percentile: 88.0
- Lexical Diversity: 2.47692
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15142994', '15880519', '15381070', '15136492', '12649625']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.13525067480756
- 35 USC 102 Novelty (BERT): 0.5400438706188805
- Combined Prediction Score: 0.175729994388692
- Mean Citation Score: 284.304868
- Max Citation Score: 417.71295
- Similarity Product: 229.33587281813607

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

Dataset: test