PATENT CLAIM ANALYSIS

Application Number: 16164307
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-08
Patent Classification: ["705", "014400"]

Abstract:
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

Claim (Index 43):
A server comprising:\n a processor, the processor including one or more program modules configured to:\n receive one or more messages from an originator device, the one or more message identifying an originator alias and a target alias, the one or more messages instructing the server to transfer one or more resources from the originator alias to the target alias; \n in response to receiving the one or more messages, authenticate the one or more messages by matching the originator alias and the target alias to a plurality of aliases in one or more databases, respectively; \n in response to authenticating the one or more messages, identify a first payment destination identifier in the database associated with the originator alias and a second payment destination identifier associated with the target alias; and \n facilitate transfer of the resource from a funding mechanism associated with the first payment destination identifier to an entity associated with the second payment identifier.

Metadata:
- Claim Count in Document: 68.0
- Percentile: 97.0
- Lexical Diversity: 1.25
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13689229', '15683359', '10375501', '13669632', '13689270']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1206504313061215
- 35 USC 102 Novelty (BERT): 0.5350463745103002
- Combined Prediction Score: 0.1620900256265394
- Mean Citation Score: 342.77882
- Max Citation Score: 368.69666
- Similarity Product: 303.19265314598323

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