PATENT CLAIM ANALYSIS

Application Number: 15880519
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "017000"]

Abstract:
The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.

Claim (Index 31):
A mobile device for providing payment token transactions, the mobile device comprising:\n one or more processors; and a memory storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:\n obtaining, when the mobile device does not have network connectivity with a first network, a payment token usable in place of cash payments, \n providing the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction, by communicating the payment token to the CPT over a second network such that connectivity between the mobile device and the first network is not required, the CPT requesting from a financial service provider system authorization of the purchase transaction, and the CPT receiving an indication from the financial service provider system that the purchase transaction is authorized; and \n receiving the indication from the CPT.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.23077
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15142994', '14472641', '13481766', '15061982', '14472610']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1246447547187045
- 35 USC 102 Novelty (BERT): 0.5040515905447949
- Combined Prediction Score: 0.1625854383013135
- Mean Citation Score: 239.28840600000004
- Max Citation Score: 267.72375
- Similarity Product: 189.7900298528373

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