PATENT CLAIM ANALYSIS

Application Number: 15982594
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "030000"]

Abstract:
A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.

Claim (Index 1):
A method comprising:\n sending, by a driver file generator via the network to a payment processor computing system, a driver file that identifies an information format of a batch file including a payee preference and defines one or more rules to identify remittances to be assigned to a hybrid electronic lockbox, wherein the remittances include a plurality of physical remittances and a plurality of electronic remittances received at the payment processor computing system between payors and a payee within a specified time period; receiving, via the network from the payment processor computing system by a batch file processor of a hybrid electronic lockbox computing system, the batch file associated with the payee, the batch file including the rules and scanned copies of the plurality of physical remittances and information corresponding to the plurality of electronic remittances, wherein the scanned copies of the plurality of physical remittances includes an image of a physically received envelope for each physical remittance; assigning, by the batch file processor, the batch file to a hybrid electronic lockbox associated with the payee; generating, by an image generator, a simulated envelope image for each of the plurality of electronic remittances, wherein the simulated envelope image comprises an image formatted to resemble a scanned physical envelope had one been associated with a particular electronic remittance, wherein the simulated envelope image includes at least one of information capable of identifying a consumer associated with the financial transaction or an identifier of the hybrid electronic lockbox; and generating, by a report generator, a report including the plurality of electronic financial remittances and the plurality of physical remittances associated with the batch file, wherein the report includes a plurality of delimiters between each of the plurality of electronic remittances and each scanned copy of the plurality of physical remittances and wherein each delimiter comprising one of an associated scanned physical envelope or an associated simulated envelope image, each delimiter including information capable of identifying at least one of a consumer associated with the financial transaction or a lockbox identifier

Metadata:
- Claim Count in Document: 24.0
- Percentile: 93.0
- Lexical Diversity: 2.36765
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14458928', '12720987', '13452378', '12130586', '10424812']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0989803645883203
- 35 USC 102 Novelty (BERT): 0.6289016066471137
- Combined Prediction Score: 0.1519724887941997
- Mean Citation Score: 334.0469060000001
- Max Citation Score: 605.567
- Similarity Product: 526.6996002613902

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