PATENT CLAIM ANALYSIS

Application Number: 16165708
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["705", "038000"]

Abstract:
Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.

Claim (Index 33):
The system of  claim 30 , wherein the operations further comprise:\n estimating confidence levels corresponding to the one or more suggested recipients based on the identifying information and a payment history associated with the payer, a confidence level indicating the likelihood each suggested recipient is an intended payee.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 97.0
- Lexical Diversity: 2.25455
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14109017', '14108808', '14108926', '10229959', '11428874']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1276340584475324
- 35 USC 102 Novelty (BERT): 0.557937642697531
- Combined Prediction Score: 0.1706644168725323
- Mean Citation Score: 314.427836
- Max Citation Score: 429.24396
- Similarity Product: 338.42345761930704

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

Dataset: test