PATENT CLAIM ANALYSIS

Application Number: 15925153
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "040000"]

Abstract:
Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.

Claim (Index 1):
A payor transaction device for conducting gesture-based transactions using an associated payor financial account, the payor transaction device comprising:\n a processor; a motion-detecting device a signal sensor; a communication interface; and a memory coupled to the processor and storing instructions that, when executed by the processor, cause the payor transaction device to:\n detect, with the motion-detecting device, a first payor spatial gesture corresponding to an initiate-payment gesture of one or more predetermined spatial gestures; \n initiate a transfer of funds from the payor financial account to a payee financial account in response to detecting the first payor spatial gesture; \n generate a first transaction identifier associated with the transfer of funds in response to detecting the first payor gesture; \n detect, with the signal sensor and within a predetermined time period after detecting the first payor spatial gesture, a proximity signal transmitted from a payee transaction device; \n determine, by the processor and based on a signal strength of the proximity signal, that the payee transaction device is within a predetermined proximity of the payor transaction device; \n transmit the first transaction identifier to the payee transaction device; \n detect, with the motion-detecting device, a second payor spatial gesture corresponding to a conduct-payment gesture of the one or more predetermined spatial gestures, the conduct-payment gesture indicative of a request to conduct the transfer of funds to the payee financial account associated with the payee transaction device in response to determining that the payee transaction device is within the predetermined proximity of the payor transaction device; \n receive, at the communication interface and from the payee transaction device, payee account information data corresponding to the payee financial account, in response to detecting the second payor spatial gesture; \n transmit, with the communication interface, transaction data and the first transaction identifier to a payor computing device associated with the payor transaction device, the transaction data comprising the payee account information data and payor gesture data corresponding to the first payor spatial gesture such that the payor computing device is enabled to transmit at least a portion of the transaction data and the first transaction identifier to a financial service provider server; \n receive, from the financial service provider server, a confirmation message indicating that the first transaction identifier was received from both the payor transaction device and the payee transaction device.

Metadata:
- Claim Count in Document: 12.0
- Percentile: 90.0
- Lexical Diversity: 2.42373
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14863603', '11109096', '15050963', '13089313', '09731536']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1438460436016764
- 35 USC 102 Novelty (BERT): 0.5040184533050417
- Combined Prediction Score: 0.1798632845720129
- Mean Citation Score: 299.523708
- Max Citation Score: 305.00665
- Similarity Product: 252.89839731400608

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

Dataset: test