PATENT CLAIM ANALYSIS

Application Number: 16164803
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["235", "379000"]

Abstract:
Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed.

Claim (Index 21):
A computer-implemented method of conducting, by a server system connected to a mobile computing device and an automated teller machine (ATM), a financial transaction comprising:\n receiving, from the ATM and based upon the ATM receiving a transaction request from the mobile computing device, an authentication verification request; processing the authentication verification request to determine whether information contained within the authentication verification request matches an existing customer record; and causing the transaction request to be processed based a determination that the information matches an existing customer record, wherein the mobile computing device is configured to:\n receive an ATM identifier from a display of the ATM, \n transmit an ATM identifier confirmation to the ATM, and \n transmit, responsive to a determination that the ATM identifier confirmation matches the ATM identifier presented on the display of the ATM, the transaction request.

Metadata:
- Claim Count in Document: 10.0
- Percentile: 97.0
- Lexical Diversity: 2.2381
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15626970', '14491632', '14680857', '14558887', '13458938']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5661497548311073
- 35 USC 102 Novelty (BERT): 0.5429658930214607
- Combined Prediction Score: 0.5638313686501427
- Mean Citation Score: 305.483748
- Max Citation Score: 407.23648
- Similarity Product: 386.1614078558731

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