PATENT CLAIM ANALYSIS

Application Number: 16030047
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2020-01
Patent Classification: ["705", "040000"]

Abstract:
Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.

Claim (Index 19):
A method for group bill payment comprising:\n creating, by a group bill payment system, a secure group bill payment account associated with a plurality of group members, wherein the group bill payment account is configured to:\n receive information via a network from the plurality of group members, the information comprising a respective username, a respective password, and a respective member payment method; and \n assign privileges to a managing group member to permit the managing group member to manage the group bill payment account following an authentication process; \n receiving, by the group bill payment system, instructions from the managing group member to create a rule for requesting payment from the group members to the group bill payment account based on a bill from a provider and being associated with the group members, the instructions enabling access to notifications associated with the bill that are received by one or more of the group members; automatically detecting a notification received from the provider by one of the group members indicating the bill is available; receiving, by the group bill payment system, the bill based on the detected notification; generating an ephemeral container instance in response to receiving the bill; determining, by the container instance, a group member charge based on the bill and the rule; sending, by the container instance, a payment request to a first group member based on the first group member charge; receiving, by the group bill payment system, a deposit into the group bill payment account from the first group member based on the payment request; transmitting, by the container instance, a group payment from the group bill payment account to the provider, the group payment being based on the bill; sending, by the container instance, a notification to the first group member, the notification comprising information about a status of the group payment; and terminating the container instance.

Metadata:
- Claim Count in Document: 17.0
- Percentile: 95.0
- Lexical Diversity: 2.43548
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15387910', '10608548', '13213875', '14922643', '14089223']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1149227559398286
- 35 USC 102 Novelty (BERT): 0.4802996250605735
- Combined Prediction Score: 0.1514604428519031
- Mean Citation Score: 194.741948
- Max Citation Score: 203.45155
- Similarity Product: 150.37765756894945

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

Dataset: test