PATENT CLAIM ANALYSIS

Application Number: 16165708
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["705", "038000"]

Abstract:
Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.

Claim (Index 41):
A system for providing personal payment transactions comprising:\n a processor; and a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising:\n generating a first interface for a payee to request a personal payment transaction using a payer client device; \n sending the first interface to the payee client device via a network; \n receiving, from the payee via the first interface, identifying information about at least one payer; \n generating one or more suggested senders by consulting at least one electronic source, the at least one electronic source being selected from the payee client device, an electronic database, a social networking site, and electronic account profile information; \n generating a second interface including identifications of the one or more suggested senders; \n sending the second interface to the payee client device via a network; \n receiving, from the payee via the second interface, a selection of at least one payer from the one or more suggested senders; \n generating a fourth interface including a notice of the request; and \n sending the fourth interface to a client device associated with the at least one identified payer, \n wherein at least one of the first and second interfaces is generated as either a voice input interface or a manual input interface based on a technology skill level of the payee.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 97.0
- Lexical Diversity: 2.25455
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14109017', '14108808', '14108926', '10229959', '11428874']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1132921772212744
- 35 USC 102 Novelty (BERT): 0.5631836588401251
- Combined Prediction Score: 0.1582813253831594
- Mean Citation Score: 314.427836
- Max Citation Score: 429.24396
- Similarity Product: 411.87680462548246

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

Dataset: test