PATENT CLAIM ANALYSIS

Application Number: 15919112
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["235", "451000"]

Abstract:
A system for a customer initiated payment transaction includes a mobile device of a customer, a merchant including merchant information and payment information, a multi-payment gateway, and a network. The mobile device includes a digital wallet, on which a customer may register one or more of a plurality of payment methods. Payment methods include credit card, debit card, virtual cards, cryptocurrency, and loyalty points.

Claim (Index 3):
The customer-initiated payment transaction system of  claim 1 , further comprising a multi-function device (MFD) card, wherein the payment method selection is an account stored on the card,\n wherein the steps further comprise the MFD card activating the digital wallet for processing the customer-initiated payment transaction.

Metadata:
- Claim Count in Document: 44.0
- Percentile: 90.0
- Lexical Diversity: 1.74419
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['13186260', '11830468', '14052397', '11964360', '15333900']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6398137218321224
- 35 USC 102 Novelty (BERT): 0.5147789891538702
- Combined Prediction Score: 0.6273102485642972
- Mean Citation Score: 332.312886
- Max Citation Score: 358.6576
- Similarity Product: 266.8537666582108

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

Dataset: test