PATENT CLAIM ANALYSIS

Application Number: 15938240
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-08
Patent Classification: ["726", "004000"]

Abstract:
A method, apparatus and computer program products are provided for performing payment option aggregation. One example method includes receiving, for example, from an e-commerce platform, a request to complete a transaction, the request comprising identifying information, authenticating a user utilizing the identifying information, accessing one or more payment entities using the authenticated user identifying information to identify payment options, each payment option having an associated payment method, providing, for display, a descriptor associated with each of a portion of the identified payment options, and receiving an indication of a selection of at least one payment option.

Claim (Index 25):
The apparatus according to  claim 19 , wherein the at least one memory and the computer program code are further configured to, with the processor, cause the apparatus to: subsequent to determining the one or more payment entities from which to solicit payment options, provide the determined one or more payment entities with the device identifying information and the transaction amount; and receive a bid amount from a subset of the determined one or more payment entities, the bid amount indicative of a bid amount each of the one or more payment entities would be willing to pay for placement.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 90.0
- Lexical Diversity: 1.86441
- Patent Class: 726.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13755262', '11537347', '14202765', '13358475', '13342077']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2903619639658497
- 35 USC 102 Novelty (BERT): 0.484772420324272
- Combined Prediction Score: 0.3098030096016919
- Mean Citation Score: 185.672904
- Max Citation Score: 200.63667
- Similarity Product: 144.63266094350158

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

Dataset: test