PATENT CLAIM ANALYSIS

Application Number: 15938260
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-08
Patent Classification: ["726", "004000"]

Abstract:
A method, apparatus and computer program products are provided for payment option aggregation, and without additional user input, payment option selection. One example method includes receiving a request to complete a transaction, the request comprising identifying information, authenticating a user utilizing the identifying information, accessing one or more payment entities, using authenticated user identifying information, to identify payment options, each payment option having an associated payment method, accessing user-set, pre-defined preference data, the user-set, pre-defined preference data indicative of at least one specific parameter on which to base a selection, selecting, without additional user input, a particular payment option from the payment options that provides a maximal value of the specific parameter, and completing the transaction utilizing the selected particular payment option.

Claim (Index 5):
The method according to  claim 1 , wherein the subset of one or more payment entities from which to solicit payment options comprise predetermined set of one or more credit card companies, payment processors, or banks, each member of the subset of one or more payment entities from which to solicit payment options configured to identify known and authorized payment accounts associated with the identifying information.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 90.0
- Lexical Diversity: 2.01429
- Patent Class: 726.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13755262', '11537347', '11428861', '13025304', '13358475']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.3334909586596274
- 35 USC 102 Novelty (BERT): 0.4836664394221954
- Combined Prediction Score: 0.3485085067358842
- Mean Citation Score: 206.5397
- Max Citation Score: 221.1169
- Similarity Product: 173.9701172902584

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

Dataset: test