PATENT CLAIM ANALYSIS

Application Number: 15882597
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-06
Patent Classification: ["705", "041000"]

Abstract:
A system transfers money to a recipient's payment card account, without requiring an additional payment card or without acquiring a recipient's payment card or account information. A recipient registers a payment account with a service provider. A system receives an identification, generated from an entity such as a business or a person, of the recipient and information associated with an electronic notice to be transmitted to a device associated with the recipient. The system transmits the notice (advertisement or offer) to the device, the notice being associated with the recipient payment account and being transmitted prior to the recipient buying product or service associated with the notice using the recipient payment account. The notice can be associated with a network merchant category or network merchant ID for managing a gift credit identified in the notice. The system receives an indication of a purchase associated with the notice and completed using the recipient payment account and applies the gift credit.

Claim (Index 19):
The system of  claim 13 , wherein the non-transitory computer-readable storage medium stores further instructions which, when executed by the processor of the computing device, cause the processor of the computing device to perform operations further comprising:\n charging the recipient payment account for the qualified purchase; and reimbursing the recipient payment account when the qualified purchase appears on a transaction history of the recipient payment account.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 86.0
- Lexical Diversity: 2.54412
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14467567', '12967253', '14335358', '12172995', '13236349']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.181655836766541
- 35 USC 102 Novelty (BERT): 0.557351221219357
- Combined Prediction Score: 0.2192253752118226
- Mean Citation Score: 468.1815820000001
- Max Citation Score: 516.8698
- Similarity Product: 315.43618324961665

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