PATENT CLAIM ANALYSIS

Application Number: 16050064
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["705", "041000"]

Abstract:
A computer system can implement a network transaction service by receiving, over the one or more wireless networks, request data from mobile computing devices of requesting users of the network transaction service. The request data can identify the requesting user and include a transaction request to utilize the network transaction service at a merchant location of a registered merchant. In response to receiving the request data, the system can determine a merchant account of the registered merchant linked to the network transaction service, and identify a customer account of the requesting user. The computer system may then initiate fund transfers between a shared fund account of the network transaction service, the merchant account, and the customer account to fulfill the transaction request.

Claim (Index 7):
The computer system of  claim 1 , wherein the executed instructions further cause the computer system to:\n receive, via the network communication interface, a pre-authorization from a financial entity corresponding to the customer account for the amount of the transaction request; wherein the executed instructions cause the computer system to transfer the funds from the customer account to the shared fund account based on the pre-authorization.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 95.0
- Lexical Diversity: 2.44444
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14730139', '14730127', '15391679', '14730155', '15785221']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1664878259206604
- 35 USC 102 Novelty (BERT): 0.5546495045343867
- Combined Prediction Score: 0.205303993782033
- Mean Citation Score: 367.3542799999999
- Max Citation Score: 406.27713
- Similarity Product: 403.2831359117192

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

Dataset: test