PATENT CLAIM ANALYSIS

Application Number: 15968095
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-08
Patent Classification: ["705", "035000"]

Abstract:
Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.

Claim (Index 35):
A method for a customer to conduct a purchase transaction at a point-of-sale (POS) device, the method comprising:\n receiving, by a computer system, enrollment information to register a payment account, wherein the registration comprises authentication information, the authentication information comprising:\n a personal identification number (PIN) selected by the customer; and \n a telephone number of the customer; \n receiving, by the computer system, transaction information from the POS device of a merchant, wherein the transaction information corresponds to the purchase transaction and comprises authentication information; authenticating, by the computer system, the customer; and after authenticating the customer, routing, by the computer system, the purchase transaction, wherein payment of the purchase transaction is guaranteed by the entity operating the computer system.

Metadata:
- Claim Count in Document: 17.0
- Percentile: 93.0
- Lexical Diversity: 1.97826
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13426046', '11677960', '12353118', '12167034', '10767365']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1352185290933939
- 35 USC 102 Novelty (BERT): 0.5234318681558066
- Combined Prediction Score: 0.1740398629996352
- Mean Citation Score: 259.215442
- Max Citation Score: 350.7784
- Similarity Product: 294.8588081394195

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