PATENT CLAIM ANALYSIS

Application Number: 15917833
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["705", "002000"]

Abstract:
The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Claim (Index 33):
A mobile client device for providing an account associated with a manufacturer of a product, comprising:\n a memory storing software instructions, and one or more processors configured to execute the software instructions to:\n provide to a system configured to create financial accounts:\n account application information of a user of the mobile client device, and \n a product code, wherein:\n the product code is associated with a product that is offered for sale by a merchant, and \n the product is associated with a manufacturer; \n \n \n receive, from the system configured to create financial accounts, a purchase code for purchasing the product using a manufacturer based financial service account associated with the manufacturer of the product, the purchase code created based on at least the account application information and the product code, wherein receipt of the purchase code indicates that the system configured to create financial accounts approved purchasing the product with the manufacturer-based financial service account; \n provide the purchase code to a point of sale system associated with the merchant; and \n receive a confirmation of purchase of the product from the point of sale system.

Metadata:
- Claim Count in Document: 56.0
- Percentile: 90.0
- Lexical Diversity: 2.62069
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15368538', '14330506', '14936622', '14288046', '14472641']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1366189550982418
- 35 USC 102 Novelty (BERT): 0.5475444621537544
- Combined Prediction Score: 0.1777115058037931
- Mean Citation Score: 352.38061199999987
- Max Citation Score: 410.80035
- Similarity Product: 390.8940396477341

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