PATENT CLAIM ANALYSIS

Application Number: 15900240
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "044000"]

Abstract:
A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. The includes: for each user, a respective threshold for enabling funds to be pulled automatically from the funding source of said user. The electronic shared payment pool is created based on the respective funding sources and the policy. A detection is made that a user is requesting to use the electronic shared payment pool to pay for a prospective transaction. In response to the detection, funds are pulled from the funding sources into the electronic shared payment pool. The funds are pulled automatically without requiring an approval from each of the users as long as the pulled amount is below the threshold for that user. The prospective transaction is facilitated using the electronic shared payment pool.

Claim (Index 14):
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:\n receiving, via a wireless communication connection, a request to create an electronic shared payment pool, the request including information about a plurality of users invited to participate in the electronic shared payment pool; receiving, from each of the plurality of users, a funding source information including a funding source of the each of the users for use with the electronic shared payment pool, and the electronic shared payment pool created without pulling funds from the funding sources of the plurality of users; establishing, in response to the receiving the funding source information, shared payment pool rules for the each of the users that participate in the electronic shared payment pool, the shared payment pool rules including a monetary threshold for the each of the users for enabling funds to be pulled from the funding source of the each of the users; receiving, via the wireless communication connection, from a first user of the plurality of users a request to use the electronic shared payment pool to pay for a prospective transaction; in response to the request, pulling, via the wireless communication connection, funds from each of the funding sources of the each of the users in the electronic shared payment pool, wherein the pulling of the funds is performed automatically without requiring an approval from each of the users as long as an amount of the funds pulled is below the monetary threshold for that user; and facilitating the prospective transaction using the electronic shared payment pool.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 88.0
- Lexical Diversity: 2.36765
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15161486', '15256484', '15098124', '12025223', '14108808']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0805600367072671
- 35 USC 102 Novelty (BERT): 0.517795361176456
- Combined Prediction Score: 0.124283569154186
- Mean Citation Score: 183.79427400000003
- Max Citation Score: 314.5267
- Similarity Product: 264.1929148943305

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