PATENT CLAIM ANALYSIS

Application Number: 15938260
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 payment option aggregation, and without additional user input, payment option selection. One example method includes receiving 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 authenticated user identifying information, to identify payment options, each payment option having an associated payment method, accessing user-set, pre-defined preference data, the user-set, pre-defined preference data indicative of at least one specific parameter on which to base a selection, selecting, without additional user input, a particular payment option from the payment options that provides a maximal value of the specific parameter, and completing the transaction utilizing the selected particular payment option.

Claim (Index 9):
The computer program product according to  claim 8 , wherein the authenticating step comprises:\n receiving, from a first entity, an indication of a request received at the first entity to access an account from a device associated with a user, the indication comprising at least one instance of first device identification information of at least one device having authorization to access the account; providing a network address to the first entity, the network address configured to be sent to the device from the first entity; receiving, from a second entity, second device identification information, the second device identification information determined upon the device accessing to the network address; performing a real-time comparison between the first device identification information and second device identification information; and prompting the first entity to grant the device access to the account if a match is detected between the first device identification information and second device identification information.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 90.0
- Lexical Diversity: 2.01429
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13755262', '11537347', '11428861', '13025304', '13358475']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.3039767670514693
- 35 USC 102 Novelty (BERT): 0.4991362699720064
- Combined Prediction Score: 0.3234927173435231
- Mean Citation Score: 206.5397
- Max Citation Score: 221.1169
- Similarity Product: 140.42379284294248

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