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 21):
A system for providing a personal payment transaction comprising:\n a processor; and a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising:\n notifying, by an electronic message, a payee of an incoming payment delivered from a payer through a media interface when the payee initiates a payment request; \n providing, by the media interface, the payee an option to accept or reject the incoming payment based on a rationale for accepting or rejecting the incoming payment; \n selecting, based on acceptance of the incoming payment by the payee, a routing option to receive payment according to a ranking of one or more parameters, wherein a payment transaction status is represented by a graphical icon on the media interface, and wherein the payment transaction status is shared through at least one social media website; \n providing, based on the selected routing option, an advance option to receive the payment immediately if the selected routing option has a wait time to deliver payment; \n determining, based on selection of the advance option, whether the payee is eligible for a credit advance; and \n applying, based on an eligible determination, the credit advance to the payee, wherein the application of the credit advance is shared through the at least one social media website.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.12
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14108926', '14108808', '14109017', '13080895', '12016179']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1342432987127158
- 35 USC 102 Novelty (BERT): 0.5304749196916017
- Combined Prediction Score: 0.1738664608106044
- Mean Citation Score: 315.38221800000014
- Max Citation Score: 374.25076
- Similarity Product: 303.2738360022188

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