PATENT CLAIM ANALYSIS

Application Number: 16279802
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-06
Patent Classification: ["705", "040000"]

Abstract:
A method and apparatus for displaying presenting billing information of an electronic funds transfer recipient is provided. In an embodiment, a method comprises storing recipient information when a customer makes a financial transfer; requesting billing information from one or more billing companies for one or more accounts associated with the stored recipient information; storing account balance information for the one or more accounts associated with the stored recipient information; displaying, upon receipt of login information from the customer, the billing information and an option to pay the displayed bill; receiving authorization to pay the displayed bill; and causing one or more computers to execute payment of the bill using a payment account of the customer.

Claim (Index 25):
The method of  claim 21 , further comprising:\n prior to presenting the user interface to the second user, performing a refresh operation to update the maintained account information, wherein the refresh operation includes communicating with the set of other computer systems to determine whether pending operations for those accounts of the first user for which there are pending operations are still pending.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 99.0
- Lexical Diversity: 2.19298
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12855985', '10346500', '11428866', '11428861', '11428857']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1113042609844695
- 35 USC 102 Novelty (BERT): 0.4972974636057491
- Combined Prediction Score: 0.1499035812465975
- Mean Citation Score: 143.67381
- Max Citation Score: 145.90883
- Similarity Product: 79.00927953590512

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

Dataset: test