PATENT CLAIM ANALYSIS

Application Number: 15900240
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "044000"]

Abstract:
A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. The includes: for each user, a respective threshold for enabling funds to be pulled automatically from the funding source of said user. The electronic shared payment pool is created based on the respective funding sources and the policy. A detection is made that a user is requesting to use the electronic shared payment pool to pay for a prospective transaction. In response to the detection, funds are pulled from the funding sources into the electronic shared payment pool. The funds are pulled automatically without requiring an approval from each of the users as long as the pulled amount is below the threshold for that user. The prospective transaction is facilitated using the electronic shared payment pool.

Claim (Index 5):
The method of  claim 1 , further comprising:\n concealing, from another party involved in the prospective transaction, information indicating that the electronic shared payment pool is shared among the plurality of the users, wherein the another party is not involved in the electronic shared payment pool.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 88.0
- Lexical Diversity: 2.36765
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15161486', '15256484', '15098124', '12025223', '14108808']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0807501219013527
- 35 USC 102 Novelty (BERT): 0.5116472979981783
- Combined Prediction Score: 0.1238398395110353
- Mean Citation Score: 183.79427400000003
- Max Citation Score: 314.5267
- Similarity Product: 307.6051769837022

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