PATENT CLAIM ANALYSIS

Application Number: 16237038
Application Type: Utility
Filing Date: 2018-12
Publication Date: 2019-09
Patent Classification: ["705", "044000"]

Abstract:
A method for payment authorization includes receiving, from a payer device registered with a payer identification merchant identification and transaction information transmitted to the payer device from a merchant device registered with the merchant identification and the payer identification. The method further includes deriving a transaction request from the payer identification and the transaction information; transmitting the transaction request to an acquirer system, receiving an authorization from the acquirer system for a transaction referred to by the transaction information and transmitting transaction approval codes for the transaction to the merchant device based upon the authorization.

Claim (Index 13):
The system as set forth in  claim 22 , wherein the authorization sever is configured to receive an authorization report reflecting approval when a limit associated with an account matched with the payer token in a database of the acquirer system is equal to or greater than an amount reflected in the transaction information.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 2.63158
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12016179', '13208733', '12748119', '13347495', '12416727']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1377341389617941
- 35 USC 102 Novelty (BERT): 0.5079034598534667
- Combined Prediction Score: 0.1747510710509614
- Mean Citation Score: 254.580678
- Max Citation Score: 287.0562700000001
- Similarity Product: 208.3332008182264

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