PATENT CLAIM ANALYSIS

Application Number: 15991929
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "043000"]

Abstract:
Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, a selection by a purchaser of one or more items is received, one or more characteristics associated with the purchaser are processed to determine a reliability of the purchaser, and an option to provide payment for the one or more items by way of a first payment method in lieu of a second payment method is selectively provided to the purchaser based on the determined reliability, the second payment method corresponding to a payment method requiring the purchaser to provide banking information and the first payment method corresponding to a payment method not requiring the purchaser to provide banking information. Other embodiments of the various aspects include corresponding systems, apparatus, and computer program products.

Claim (Index 24):
A method for facilitating completion of ecommerce sales of items between vendors and purchasers, the method comprising:\n receiving, by a processor executing code over a communication network from a vendor computing device, a transaction notification representing that a purchaser is purchasing an item via an e-commerce transaction and that the item is to be paid anonymously and in cash, wherein the transaction notification includes a transaction price for the item and contact information associated with the purchaser; generating, by the processor executing code, a unique identifier that corresponds to the transaction notification; calculating, by the processor executing code, an adjusted transaction price as a function of a rounding algorithm that rounds the transaction price up by an amount to arrive at a whole value above the transaction price; using the contact information by the processor executing code to transmit the unique identifier and the adjusted transaction price to a computing device associated with the purchaser; receiving, over a communication network by the processor executing code directly or indirectly from an automated teller machine, input information that includes the unique identifier that corresponds to the transaction notification; determining, by the processor executing code, that the input is received within a specified timeframe; transmitting, over a communication network by the processor directly or indirectly to the automated teller machine, an acknowledgement notification to elicit cash receipt of payment of the adjusted transaction price at the automated teller machine; receiving, over a communication network by the processor executing code directly or indirectly from the automated teller machine, payment information representing that cash payment of the adjusted transaction price has been received at the automated teller machine; and providing, over a communication network by the processor executing code to the vendor computing device, a confirmation of cash receipt of the adjusted transaction price at the automated teller machine for facilitating completion of the ecommerce sale.

Metadata:
- Claim Count in Document: 49.0
- Percentile: 93.0
- Lexical Diversity: 2.2623
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13767052', '12712990', '09939782', '13271284', '12641071']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.107572917090485
- 35 USC 102 Novelty (BERT): 0.5604667984385646
- Combined Prediction Score: 0.152862305225293
- Mean Citation Score: 228.33026400000003
- Max Citation Score: 401.62985
- Similarity Product: 313.2901354448556

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