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 10):
The computer program product according to  claim 8 , wherein the computer-executable program code instructions further comprise program code instructions for:\n determining one or more payment entities from which to solicit payment options; providing the determined one or more payment entities with the device identifying information and a transaction amount; receiving a bid amount from a subset of the determined one or more payment entities, the bid amount indicative of a bid amount each of the one or more payment entities would be willing to pay for placement of an associated payment option; providing, for display, a descriptor associated with each of a portion of the payment options in accordance with the bids; and receiving an indication of a selection of at least one payment option.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 90.0
- Lexical Diversity: 2.26761
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13755262', '12959809', '11419829', '14202765', '15239184']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1179575541927535
- 35 USC 102 Novelty (BERT): 0.4888573581821943
- Combined Prediction Score: 0.1550475345916976
- Mean Citation Score: 203.377344
- Max Citation Score: 228.30746
- Similarity Product: 172.12722470494862

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