PATENT CLAIM ANALYSIS

Application Number: 15919112
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["235", "451000"]

Abstract:
A system for a customer initiated payment transaction includes a mobile device of a customer, a merchant including merchant information and payment information, a multi-payment gateway, and a network. The mobile device includes a digital wallet, on which a customer may register one or more of a plurality of payment methods. Payment methods include credit card, debit card, virtual cards, cryptocurrency, and loyalty points.

Claim (Index 15):
The payment transaction system of  claim 13 , further comprising a MFD card,\n wherein the payment method selection is an account stored on the card, wherein the steps further comprise the MFD card activating the digital wallet for processing the customer-initiated payment transaction, wherein the account stored on the MFD card is one of a credit card, a debit card, a prepaid cash card, or a loyalty points program card, wherein the account stored on the MFD card is a plurality of accounts and each account is one of a credit card, a debit card, a prepaid casn card, or a loyalty points program card, wherein the MFD card comprises an NFC antenna, wherein the mobile device comprises an NFC sensor, wherein the digital wallet is activated for processing the custom-initiated payment transaction via NFC between the MFD card and the mobile device, wherein the mobile device receives MFD card information from the MFD card via NFC between the card and the mobile device, wherein activating digital wallet by the MFD card includes transferring a chip serial number or a card serial number of the card from the card to the mobile device; wherein the digital wallet is activated for processing the card payment transaction if the transferred chip serial number or the transferred card serial number matches the chip serial number or the card serial number stored in the mobile device.

Metadata:
- Claim Count in Document: 44.0
- Percentile: 90.0
- Lexical Diversity: 1.74419
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['13186260', '11830468', '14052397', '11964360', '15333900']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6404224499567267
- 35 USC 102 Novelty (BERT): 0.5158271810780893
- Combined Prediction Score: 0.6279629230688629
- Mean Citation Score: 332.312886
- Max Citation Score: 358.6576
- Similarity Product: 230.31152347068783

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

Dataset: test