PATENT CLAIM ANALYSIS

Application Number: 15880526
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "039000"]

Abstract:
Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate.

Claim (Index 25):
The system of  claim 21 , wherein the storage device stores further instructions that, when executed by the processor, cause the system to perform the operation of:\n providing one or more incentives for performing activities associated with the personal payment transaction.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.12
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14108926', '14108808', '14109017', '13080895', '12016179']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1493658018895015
- 35 USC 102 Novelty (BERT): 0.5325254607432683
- Combined Prediction Score: 0.1876817677748782
- Mean Citation Score: 315.38221800000014
- Max Citation Score: 374.25076
- Similarity Product: 254.01743084771869

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

Dataset: test