PATENT CLAIM ANALYSIS

Application Number: 15969662
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["235", "379000"]

Abstract:
There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

Claim (Index 55):
A mobile subscriber unit comprising:\n an integrated processor configured to communicate with an interface of a financial transaction token, wherein the financial transaction token comprises:\n a memory storing data regarding an account, \n a substrate of a payment card encoded with payment account data, and \n an energy storage device located within the financial transaction token; \n a power source located in the mobile subscriber unit, wherein the integrated processor is configured to:\n receive a communication from the financial transaction token, and \n relay a charging current from the power source located in the mobile subscriber unit to the energy storage device located within the financial transaction token; and \n wherein a transaction is conducted in one of two modes, including the mobile subscriber unit acting as a proxy for the financial transaction token to conduct the transaction, and the financial transaction token conducts the transaction independently of the mobile sub scriber unit.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 93.0
- Lexical Diversity: 2.125
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14252443', '11767185', '11767160', '12052279', '11767144']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6414149498419989
- 35 USC 102 Novelty (BERT): 0.556681163717518
- Combined Prediction Score: 0.6329415712295509
- Mean Citation Score: 363.521056
- Max Citation Score: 449.5744
- Similarity Product: 388.4145254486084

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