PATENT CLAIM ANALYSIS

Application Number: 15938252
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-09
Patent Classification: ["705", "004000"]

Abstract:
A method, apparatus and computer program products are provided for enabling multi-element bidding. One example method includes generating a request for a payment option and a bid, identifying one or more payment entities from which to receive a bid, transmitting the request to the one or more payment entities, and receiving one or bids from each of the one or more payment entities, each of the one or more bids indicative of a bid amount each of the one or more payment entities would be willing to pay for placement of an associated payment option.

Claim (Index 3):
The method according to  claim 2 , wherein authentication of user identifying information is performed by:\n receiving, from a first entity, an indication of a request received at the first entity to access an account from a device associated with a user, the indication comprising at least one instance of first device identification information of at least one device having authorization to access the account; providing a network address to the first entity, the network address configured to be sent to the device from the first entity; receiving, from a second entity, second device identification information, the second device identification information determined upon the device accessing to the network address; performing a real-time comparison between the first device identification information and second device identification information; and prompting the first entity to grant the device access to the account if a match is detected between the first device identification information and second device identification information.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 90.0
- Lexical Diversity: 2.125
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13755262', '15061974', '11250908', '09661463', '13342077']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1038742455050806
- 35 USC 102 Novelty (BERT): 0.4951812669838523
- Combined Prediction Score: 0.1430049476529578
- Mean Citation Score: 184.340152
- Max Citation Score: 192.53392
- Similarity Product: 120.9145649596405

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