PATENT CLAIM ANALYSIS

Application Number: 16050064
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["705", "041000"]

Abstract:
A computer system can implement a network transaction service by receiving, over the one or more wireless networks, request data from mobile computing devices of requesting users of the network transaction service. The request data can identify the requesting user and include a transaction request to utilize the network transaction service at a merchant location of a registered merchant. In response to receiving the request data, the system can determine a merchant account of the registered merchant linked to the network transaction service, and identify a customer account of the requesting user. The computer system may then initiate fund transfers between a shared fund account of the network transaction service, the merchant account, and the customer account to fulfill the transaction request.

Claim (Index 13):
A non-transitory computer readable medium storing instructions that, when executed by one or more processors of computer system implementing a network transaction service, cause the computer system to:\n communicate, over one or more wireless networks, with mobile computing devices of users of the network transaction service, the network transaction service comprising a shared fund account for the users to utilize with registered merchants of the network transaction service; receive, over the one or more wireless networks, request data from a mobile computing device of a requesting user of the network transaction service, the request data identifying the requesting user and comprising a transaction request to utilize the network transaction service at a merchant location of a registered merchant of the network transaction service; in response to receiving the request data, (i) determine a merchant account of the registered merchant, the merchant account being linked to the network transaction service, and (ii) identify a customer account of the requesting user; and based on the request data, (i) transfer funds from the shared fund account of the network transaction service to the merchant account to fulfill the transaction request from the requesting user, and (ii) transfer funds from the customer account of the requesting user to the shared fund account in an amount corresponding to the transaction request.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 95.0
- Lexical Diversity: 2.44444
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14730139', '14730127', '15391679', '14730155', '15785221']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1522736171713995
- 35 USC 102 Novelty (BERT): 0.5478289278096045
- Combined Prediction Score: 0.19182914823522
- Mean Citation Score: 367.3542799999999
- Max Citation Score: 406.27713
- Similarity Product: 333.357123800869

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