PATENT CLAIM ANALYSIS

Application Number: 16279478
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-07
Patent Classification: ["705", "016000"]

Abstract:
A payee ( 300 A) sends a financial document ( 335 ) such as an invoice to a payer ( 1 A) via a payment adviser service ( 2001, 3001 ). The payer ( 1 A) sends a financial document ( 45 ) such as an advice of payment to the payment adviser service ( 2001, 3001 ) and instructions for payment ( 80 ) to a payment clearance system ( 100 ). The payment clearance system sends to the payee ( 300 A) information on where to access the financial document ( 45 ) by including it in the payee's bank statement ( 315 ).

Claim (Index 86):
The process as claimed in  claim 76 , wherein the process comprises the further steps of:\n in response to a request from the payee's computer system, the payments adviser system providing a payee document identifier for the payee financial document, the payee document identifier being allocated a payee short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance system; the payments adviser system receiving the payee financial document and storing the payee financial document against the payee document identifier; the payee's computer system sending to the payer's computer system a request for payment and information including the payee document identifier, thereby allowing the payer's computer to send over the internet to the payment adviser system the payee document identifier to access the stored payee financial document.

Metadata:
- Claim Count in Document: 113.0
- Percentile: 99.0
- Lexical Diversity: 2.36735
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: True
- Related Applications: ['12515813', '10145636', '11428874', '09827788', '10229959']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1346086966084522
- 35 USC 102 Novelty (BERT): 0.634708849426122
- Combined Prediction Score: 0.1846187118902192
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 521.0608652317286

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