PATENT CLAIM ANALYSIS

Application Number: 15925153
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "040000"]

Abstract:
Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.

Claim (Index 24):
A payee transaction device for conducting gesture-based transactions using an associated payee financial account, the payee transaction device comprising:\n a processor; a motion-detecting device; a signal sensor; a communication interface; and a memory coupled to the processor and storing instructions that, when executed by the processor, cause the payee transaction device to:\n detect, with the signal sensor, that a payor transaction device is within a predetermined distance of the payee transactions device; \n transmit, with the communication interface, a proximity signal to the payor transaction device, in response to detecting the payor transaction device is within the predetermined distance; \n detect, with the signal sensor, an authenticating spatial gesture signal from the payor transaction device; \n transmit, with the communication interface , payee account information data to the payor transaction device, the account information data corresponding to the payee financial account, in response to detecting an authenticating spatial gesture signal from the payor transaction device; \n receive, with the communication interface, a first transaction identifier from the payor transaction device; \n transmit, with the communication interface, the first transaction identifier to a financial service provider server; and \n receive, with the communication interface, a confirmation message from the financial service provider server indicating that the first transaction identifier was received from both the payor transaction device and the payee transaction device.

Metadata:
- Claim Count in Document: 12.0
- Percentile: 90.0
- Lexical Diversity: 2.42373
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14863603', '11109096', '15050963', '13089313', '09731536']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1434257663908652
- 35 USC 102 Novelty (BERT): 0.5103205606872192
- Combined Prediction Score: 0.1801152458205006
- Mean Citation Score: 299.523708
- Max Citation Score: 305.00665
- Similarity Product: 215.9100406055033

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

Dataset: test