PATENT CLAIM ANALYSIS

Application Number: 15919112
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["235", "451000"]

Abstract:
A system for a customer initiated payment transaction includes a mobile device of a customer, a merchant including merchant information and payment information, a multi-payment gateway, and a network. The mobile device includes a digital wallet, on which a customer may register one or more of a plurality of payment methods. Payment methods include credit card, debit card, virtual cards, cryptocurrency, and loyalty points.

Claim (Index 1):
A customer-initiated payment transaction system comprising:\n a mobile device of a customer, the mobile device comprising a digital wallet; a merchant comprising merchant information and payment information; a multi-payment gateway; and a network, wherein a customer-initiated payment transaction comprises the steps of:\n the customer launching the digital wallet on the mobile device; \n the digital wallet receiving the merchant information and payment information; \n the digital wallet receiving a payment method selection for payment; \n the digital wallet generating a payment authorization request based on the merchant information and the payment method selection; \n the digital wallet sending the payment authorization request to the multi-payment gateway; \n the multi-payment gateway communicating to the merchant a result of a payment transaction; and \n the digital wallet receiving a result of the payment authorization request from the multi-payment gateway.

Metadata:
- Claim Count in Document: 44.0
- Percentile: 90.0
- Lexical Diversity: 1.74419
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['13186260', '11830468', '14052397', '11964360', '15333900']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6393681069043758
- 35 USC 102 Novelty (BERT): 0.5140122041822193
- Combined Prediction Score: 0.6268325166321602
- Mean Citation Score: 332.312886
- Max Citation Score: 358.6576
- Similarity Product: 293.5861014894485

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