PATENT CLAIM ANALYSIS

Application Number: 16119947
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "066000"]

Abstract:
A system or method may be provided to implement dynamic hybrid wallet tokens. The method can includes determining to generate a hybrid wallet token based on a user request for a transaction at a user device. The method includes determining, based on a transaction type of the transaction, non-payment information of a user associated with the user device. The method includes generating a hybrid wallet token for use with a payment account associated with the user, where the generating is based on the authorization token and on the transaction type, the hybrid wallet token comprising information indicating a funding instrument associated with the user, the hybrid wallet token further comprising the non-payment information. The method also includes providing the wallet token to the user device for implementing the transaction.

Claim (Index 2):
The system of  claim 1 , wherein executing the instructions further causes the system to,\n receive the hybrid wallet token from a payment network for the transaction that is originated at the user device; determine that the hybrid wallet token comprises the non-payment information; and process the transaction based on the non-payment information.

Metadata:
- Claim Count in Document: 36.0
- Percentile: 96.0
- Lexical Diversity: 2.62264
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14024605', '13617529', '13663561', '14526306', '14452829']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1068548891929477
- 35 USC 102 Novelty (BERT): 0.4827414028250087
- Combined Prediction Score: 0.1444435405561538
- Mean Citation Score: 217.91898
- Max Citation Score: 230.32803
- Similarity Product: 191.4173169303041

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