PATENT CLAIM ANALYSIS

Application Number: 16279478
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-07
Patent Classification: ["705", "016000"]

Abstract:
A payee ( 300 A) sends a financial document ( 335 ) such as an invoice to a payer ( 1 A) via a payment adviser service ( 2001, 3001 ). The payer ( 1 A) sends a financial document ( 45 ) such as an advice of payment to the payment adviser service ( 2001, 3001 ) and instructions for payment ( 80 ) to a payment clearance system ( 100 ). The payment clearance system sends to the payee ( 300 A) information on where to access the financial document ( 45 ) by including it in the payee's bank statement ( 315 ).

Claim (Index 60):
In a system which includes:\n a payer's computer system operable by a payer, a payee's computer system operable by a payee; a payments adviser computer system comprising computer software executing on computer hardware remote from the payer and payee and communicable over the internet; and a payments clearance computer system comprising computer software executing on computer hardware remote from the payer's computer system and payee's computer system and which hardware includes a payer's financial institution's computer system and a payee's financial institution's computer system, the process comprising: the payee's computer system sending by the payee's computer system over the internet to the payments adviser computer system a request for a document reference code for a financial document, the payment adviser system allocating a document reference code to the financial document in response to the request, the document reference code being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system; the payee's computer system at or after the time of the request, uploading over the internet the financial document to the payments adviser system for storage per the document reference code; and the payee's computer system sending by the payee's computer system to the payer's financial institution's computer system through the payments clearance system: a request for a payment; and the document reference code that signifies to the payer the location to access the financial document.

Metadata:
- Claim Count in Document: 113.0
- Percentile: 99.0
- Lexical Diversity: 2.36735
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['12515813', '10145636', '11428874', '09827788', '10229959']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1140664874020475
- 35 USC 102 Novelty (BERT): 0.6761233334714092
- Combined Prediction Score: 0.1702721720089837
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 655.1464699576021

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

Dataset: test