PATENT CLAIM ANALYSIS

Application Number: 15938276
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-08
Patent Classification: ["705", "004000"]

Abstract:
A method, apparatus and computer program products are provided for performing payment option aggregation to complete a transaction initiated at a third party payment apparatus. One example method includes receiving, from the third party payment apparatus, a request to complete a transaction, the request initiated via input of identifying information to the third party payment apparatus or initiating a short-range wireless communication connection with the third party payment apparatus to transmit the identifying information, authenticating a user utilizing the identifying information, authentication comprising sending a request to a mobile device associated with the identifying information for location information; and confirming a match between the location information and a location associated with the third party payment apparatus, accessing one or more payment entities, using authenticated user identifying information to identify payment options, each payment option having an associated payment method, and completing the transaction utilizing a selected payment option.

Claim (Index 20):
The apparatus according to  claim 15 , wherein the authentication is performed based on a bio marker comprising at least one of a fingerprint or face identification.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 90.0
- Lexical Diversity: 2.26761
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13755262', '12959809', '11419829', '14202765', '15239184']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1052508410598716
- 35 USC 102 Novelty (BERT): 0.4964938578690042
- Combined Prediction Score: 0.1443751427407849
- Mean Citation Score: 203.377344
- Max Citation Score: 228.30746
- Similarity Product: 151.79388820713282

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