PATENT CLAIM ANALYSIS

Application Number: 16279478
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-07
Patent Classification: ["705", "016000"]

Abstract:
A payee ( 300 A) sends a financial document ( 335 ) such as an invoice to a payer ( 1 A) via a payment adviser service ( 2001, 3001 ). The payer ( 1 A) sends a financial document ( 45 ) such as an advice of payment to the payment adviser service ( 2001, 3001 ) and instructions for payment ( 80 ) to a payment clearance system ( 100 ). The payment clearance system sends to the payee ( 300 A) information on where to access the financial document ( 45 ) by including it in the payee's bank statement ( 315 ).

Claim (Index 42):
A process for use by a computer system of a payer and a computer system of a payee in connection with:\n a payments adviser computer system comprising computer software executing on computer hardware remote from the computer systems of the payer and payee and communicable over the internet, and a payments clearance computer system comprising computer software executing on computer hardware remote from the computer systems of the payer and payee and which hardware includes a payer's financial institution's computer system and a payee's financial institution's computer system, the process comprising:\n the payer's computer system sending a request over the internet to the payments adviser computer system for an identifier for a financial document; \n the payment adviser system allocating an identifier to the financial document in response to the request, the identifier being allocated as a short uniform resource identifier (URI) comprising (a) the internet address of the payments adviser computer system and a unique location for the financial document, and (b) a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system; \n the payer's computer system at or after the time of the request, uploading over the internet the financial document to the payments adviser computer system for storage per the identifier; \n the payer's computer system sending to the payer's financial institution's computer system for sending to the payee's computer system through the payments clearance computer system:\n a payment request; and \n the payment reference containing or consisting of the identifier and which signifies to the payee the location to access the financial document; \n \n on authorization of the payment request, the payer's financial institution's computer system sending via the payments clearance computer system to the payee's financial institution's computer system:\n the payment; and \n the payment reference containing or consisting of the identifier and which signifies to the payee the location to access the financial document; \n \n the payments clearance computer system sending to the payee's financial institution's computer system:\n the payment; and \n the payment reference containing or consisting of the identifier and which signifies to the payee the location to access the financial document; \n \n the payee's financial institution's computer system creating a payment advice or bank statement accessible to the payee containing information received via the payments clearance computer system from the payer's financial institution's computer system including the identifier, and \n the payee's computer system sending a request over the internet to the payment adviser system which includes the identifier to access the stored financial document applicable to the payment received by the payee from the payer.

Metadata:
- Claim Count in Document: 113.0
- Percentile: 99.0
- Lexical Diversity: 2.36735
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['12515813', '10145636', '11428874', '09827788', '10229959']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1143111015086618
- 35 USC 102 Novelty (BERT): 0.6746670683657973
- Combined Prediction Score: 0.1703466981943754
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 650.5252874760986

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

Dataset: test