PATENT CLAIM ANALYSIS

Application Number: 15767491
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-10
Patent Classification: ["705", "035000"]

Abstract:
Provided is a merchant split tender system and method. A cashier completes a scan of merchandise and enters tendering phase. The point of sale sends a the request to authorize a total dollar amount to a wallet processor. The wallet processor accesses a customer payment profile to determine if there is a split tender configuration. If there is a split tender configuration, the wallet processor determines a first account and a second account to use for providing tender for the purchase. The first account and the second account to use is determined by the customer payment profile. The first account may be authorized first and then the second account may be authorized for the remaining amount. The system may also use more than two accounts. This process happens automatically based on the customer payment profile.

Claim (Index 20):
The system of  claim 19 , wherein a second of the at least two account is a gift card.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 91.0
- Lexical Diversity: 2.13235
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13481766', '15199562', '13305481', '12846911', '14052397']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1302782360879179
- 35 USC 102 Novelty (BERT): 0.5031085272114133
- Combined Prediction Score: 0.1675612652002674
- Mean Citation Score: 230.641478
- Max Citation Score: 235.32838
- Similarity Product: 149.36596663952352

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

Dataset: test