PATENT CLAIM ANALYSIS

Application Number: 16279478
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-07
Patent Classification: ["705", "016000"]

Abstract:
A payee ( 300 A) sends a financial document ( 335 ) such as an invoice to a payer ( 1 A) via a payment adviser service ( 2001, 3001 ). The payer ( 1 A) sends a financial document ( 45 ) such as an advice of payment to the payment adviser service ( 2001, 3001 ) and instructions for payment ( 80 ) to a payment clearance system ( 100 ). The payment clearance system sends to the payee ( 300 A) information on where to access the financial document ( 45 ) by including it in the payee's bank statement ( 315 ).

Claim (Index 91):
A computer system for allowing a payer to pay a payee as a financial transaction through a financial institution and providing the payee with means to access a financial document relating to the financial transaction, the system comprising:\n a payments adviser computer system remote from the payer's computer system and payee's computer system; and at least one payments clearance computer system remote from the payer's computer system and payee's computer system; the payment adviser system being adapted to allocate a document reference code in response to a request from the payer's computer system for the document reference code for a financial document constructed by the payer's computer system, the document reference code being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance system; the payments adviser system being adapted to receive the financial document from the payer's computer system at or after the time of the request and to store the financial document per the document reference code; the payments adviser system being further adapted to receive from the payer's computer system (a) payment account details of the payee and (b) security authentication information; the at least one payments clearance computer system being further adapted to: debit the payer's financial institution and crediting the payee's financial institution's computer system upon receiving confirmation that a payment instruction has been issued to the payer's financial institution's computer system including the amount to be transferred, the payment account details of the payee and the document reference code and that the payer's financial institution's computer system has processed the payment; and to provide to the payee a copy of the uploaded financial document via the internet upon being contacted by the payee via the internet using the document reference code.

Metadata:
- Claim Count in Document: 113.0
- Percentile: 99.0
- Lexical Diversity: 2.36735
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['12515813', '10145636', '11428874', '09827788', '10229959']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1126694287102938
- 35 USC 102 Novelty (BERT): 0.684426516154254
- Combined Prediction Score: 0.1698451374546898
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 681.7066174880505

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