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 38):
A computer storage medium encoded with a computer program, the program comprising instructions that when executed by one or more data processing apparatus cause the one or more data processing apparatus to perform operations comprising:\n receiving, 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 a unique identifier that corresponds to the transaction notification; calculating 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 to transmit the unique identifier and the adjusted transaction price to a computing device associated with the purchaser; receiving, over a communication network directly or indirectly from an automated teller machine, input information that includes the unique identifier that corresponds to the transaction notification; determining that the input is received within a specified timeframe; transmitting, over a communication network 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 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 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): 0.1076922435501853
- 35 USC 102 Novelty (BERT): 0.5600586538014681
- Combined Prediction Score: 0.1529288845753136
- Mean Citation Score: 228.33026400000003
- Max Citation Score: 401.62985
- Similarity Product: 306.08631444252734

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