PATENT CLAIM ANALYSIS

Application Number: 16164307
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-08
Patent Classification: ["705", "014400"]

Abstract:
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

Claim (Index 26):
The method of  claim 21 , further comprising:\n receiving, by the server, a transaction identifier identifying a transaction, and a payment amount for the transaction associated with the target alias; retrieving, by the server, stored target financial account information associated with the received target alias from the database; and facilitating, by the server, transfer the payment amount from the originator to the target based on the stored target financial account information.

Metadata:
- Claim Count in Document: 68.0
- Percentile: 97.0
- Lexical Diversity: 1.25
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13689229', '15683359', '10375501', '13669632', '13689270']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1204409717982103
- 35 USC 102 Novelty (BERT): 0.5349102162043665
- Combined Prediction Score: 0.161887896238826
- Mean Citation Score: 342.77882
- Max Citation Score: 368.69666
- Similarity Product: 323.3925396197272

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