PATENT CLAIM ANALYSIS

Application Number: 15977660
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "026100"]

Abstract:
Disclosed are exemplary embodiments of systems and methods for utilizing vehicle connectivity to facilitate payment account transactions. One exemplary method includes, in response to a detected interest of a consumer, requesting sales data associated with the consumer interest from at least one merchant based on a location of a vehicle associated with the consumer, and creating an order object for a product selected from the sales data. The method also includes appending a vehicle signature, for the vehicle, to the order object, and matching the order object to a transaction object for the selected product based on the vehicle signature. The method further includes transmitting a purchase order to the at least one merchant based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product.

Claim (Index 17):
A non-transitory computer readable storage media including executable instructions for utilizing vehicle connectivity to facilitate payment account transactions, which, when executed by at least one processor, cause the at least one processor to:\n in response to a selection of a product, by a consumer, at a vehicle, create an order object for the selected product; request a vehicle signature for the vehicle; authenticate the vehicle signature and append the authenticated vehicle signature to the order object; match the order object to a transaction object for the product based on the vehicle signature, the transaction object associated with a payment account of the consumer; transmit a purchase order for the product to at least one merchant, based on the order object and the transaction object, thereby permitting the at least one merchant to facilitate a payment account transaction for the selected product to the payment account of the consumer; and in connection with the payment account transaction at the at least one merchant, cause a trunk lid, a back gate and/or a door of the vehicle to be opened and/or unlocked in response to a one-time token from the at least one merchant, thereby permitting the at least one merchant to place the selected product in the vehicle without the consumer being present at the vehicle.

Metadata:
- Claim Count in Document: 11.0
- Percentile: 93.0
- Lexical Diversity: 2.55932
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15371494', '15239385', '10671320', '13536864', '12112483']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1029415771134322
- 35 USC 102 Novelty (BERT): 0.4819021733553728
- Combined Prediction Score: 0.1408376367376262
- Mean Citation Score: 166.07424
- Max Citation Score: 240.07443
- Similarity Product: 213.18735582793235

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