PATENT CLAIM ANALYSIS

Application Number: 16151256
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-01
Patent Classification: ["705", "016000"]

Abstract:
A computing system implements a network transaction service in which prepaid cards physically residing at merchant locations. Users of the network transaction service can launch a service application to indicate a transaction at the merchant location. A transaction data set is then received from a point-of-sale terminal at the merchant location—corresponding to use of the prepaid card—which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount of the transaction.

Claim (Index 20):
The method of  claim 19 , further comprising:\n prior to accessing the customer account of the given user, determining that the given user has pre-authorized the customer account for transactions using the network transaction service.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 97.0
- Lexical Diversity: 1.92593
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14730155', '14730139', '14730127', '15391679', '16050064']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1212529241577464
- 35 USC 102 Novelty (BERT): 0.5405727714119247
- Combined Prediction Score: 0.1631849088831643
- Mean Citation Score: 356.99094
- Max Citation Score: 393.4748
- Similarity Product: 240.2927664011956

Labels:
- Claim Label 101: 0
- Claim Label 102: 1
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test