PATENT CLAIM ANALYSIS

Application Number: 16279802
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-06
Patent Classification: ["705", "040000"]

Abstract:
A method and apparatus for displaying presenting billing information of an electronic funds transfer recipient is provided. In an embodiment, a method comprises storing recipient information when a customer makes a financial transfer; requesting billing information from one or more billing companies for one or more accounts associated with the stored recipient information; storing account balance information for the one or more accounts associated with the stored recipient information; displaying, upon receipt of login information from the customer, the billing information and an option to pay the displayed bill; receiving authorization to pay the displayed bill; and causing one or more computers to execute payment of the bill using a payment account of the customer.

Claim (Index 22):
The method of  claim 21 , wherein the particular pending operation involves making a payment on a balance of the particular account of the first user that is identified as being owed by the first user to an entity associated with the particular account.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 99.0
- Lexical Diversity: 2.19298
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12855985', '10346500', '11428866', '11428861', '11428857']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1286448578861627
- 35 USC 102 Novelty (BERT): 0.4572468061250865
- Combined Prediction Score: 0.1615050527100551
- Mean Citation Score: 143.67381
- Max Citation Score: 145.90883
- Similarity Product: 114.28800975415707

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

Dataset: test