PATENT CLAIM ANALYSIS

Application Number: 16279478
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-07
Patent Classification: ["705", "016000"]

Abstract:
A payee ( 300 A) sends a financial document ( 335 ) such as an invoice to a payer ( 1 A) via a payment adviser service ( 2001, 3001 ). The payer ( 1 A) sends a financial document ( 45 ) such as an advice of payment to the payment adviser service ( 2001, 3001 ) and instructions for payment ( 80 ) to a payment clearance system ( 100 ). The payment clearance system sends to the payee ( 300 A) information on where to access the financial document ( 45 ) by including it in the payee's bank statement ( 315 ).

Claim (Index 52):
The process as claimed in  claim 51 , wherein in lieu of the payer's computer system requesting the identifier and uploading the financial document, the process includes:\n the payee's computer system sending by computer a request over the internet to the payments adviser system for the identifier for the financial document; the payment adviser system allocating the identifier to the payee in response to the request, the identifier being allocated a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system; the payee's computer system uploading over the internet the financial document to the payments adviser system for storage per the identifier; the payee's computer system sending by computer to the payer: a request for payment; and information including the document identifier, thereby allowing the payer's computer system to send over the internet to the payment adviser system the document identifier to access the stored financial document applicable to the payment request received by the payer from the payee.

Metadata:
- Claim Count in Document: 113.0
- Percentile: 99.0
- Lexical Diversity: 2.36735
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: True
- Related Applications: ['12515813', '10145636', '11428874', '09827788', '10229959']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1293114103852712
- 35 USC 102 Novelty (BERT): 0.6636295449330284
- Combined Prediction Score: 0.1827432238400469
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 609.44311462394

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

Dataset: test