PATENT CLAIM ANALYSIS

Application Number: 15977660
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "026100"]

Abstract:
Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Claim (Index 11):
A system for facilitating payment account transactions, through vehicle connectivity, the system comprising:\n at least one server for communicating with at least one vehicle; wherein the at least one server includes at least one decision engine, which configures the at least one server to:\n identify at least one merchant; \n request sales data from the at least one merchant for a product of interest to a consumer; \n receive and pass the sales data from the at least one merchant to the at least one vehicle; \n create an order object for the product, in response to a user input from the at least one vehicle; and \n request a vehicle signature associated with the at least one vehicle and append the vehicle signature to the order object; \n wherein the at least one server further includes a payment engine, which configures the at least one server to:\n create a transaction object for a transaction for the product to a payment account associated with the consumer; and \n request a vehicle signature associated with the at least one vehicle and append the vehicle signature to the transaction object; \n wherein the at least one decision engine further configures the at least one server to transmit a purchase order to the at least one merchant when the vehicle signature in the order object matches the vehicle signature in the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product, and wherein the at least one decision engine further configures the at least one server to permit access to the at least one vehicle for delivery of the selected product after authorization of the payment account transaction for the selected product.

Metadata:
- Claim Count in Document: 11.0
- Percentile: 93.0
- Lexical Diversity: 2.55932
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15371494', '15239385', '10671320', '13536864', '12112483']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0926404623832016
- 35 USC 102 Novelty (BERT): 0.4773925445197167
- Combined Prediction Score: 0.1311156705968531
- Mean Citation Score: 166.07424
- Max Citation Score: 240.07443
- Similarity Product: 218.3891066127992

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

Dataset: test