PATENT CLAIM ANALYSIS

Application Number: 16105415
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "032000"]

Abstract:
A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. Also included are a plurality of physical system resource interfaces for interfacing with available physical system resources. The physical system resources allow a user to gain access to the predetermined desired services. The system further includes a data store for storing configuration information for enabling the operating system to interface with the available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations are stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources. Each physical system resource interface is uniquely associated with a defined one of the physical system resources.

Claim (Index 1):
A system for providing access to employees of accrued and unpaid earnings representing unpaid earnings prior to the end of a current pay period, the employees subscribing to the system to obtain such access, wherein the system is accessed with a personal wireless communications device comprising:\n a local server operative to communicate with the personal wireless communications device to operate in conjunction therewith to facilitate a financial transaction for at least some of the subscribing employees and including: a database including a list of subscribing employees and available accrued and unpaid earnings for at least some of the subscribing employees; a transaction processor operative to access the database to determine the available accrued and unpaid earnings for a given one of the subscribing employees to transfer value on behalf of the given one of the subscribing employees and debit the available and unpaid earnings of the given employee on the database in the amount of the transferred value.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 96.0
- Lexical Diversity: 2.77778
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12684931', '13915387', '12684927', '12684930', '12684929']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1170873275019668
- 35 USC 102 Novelty (BERT): 0.5044195211597943
- Combined Prediction Score: 0.1558205468677496
- Mean Citation Score: 244.80785600000004
- Max Citation Score: 311.6692
- Similarity Product: 286.89121385278696

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