PATENT CLAIM ANALYSIS

Application Number: 16027438
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["705", "041000"]

Abstract:
A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.

Claim (Index 39):
A method of providing a contactless payment transaction, comprising:\n receiving, at a computer processor of a mobile device, a payment initiation instruction; transmitting an encrypted and encoded payment execution instruction from the mobile device to an attachment device that includes:\n a housing comprising:\n a radio frequency interface comprising a near-field communication antenna; \n a secure element configured to:\n store a payment token; and \n generate transaction data \n \n an input circuit; and \n an output circuit; \n \n a connector in communication with the input circuit and output circuit; and wherein the attachment device is configured to wirelessly transmit the payment token and the transaction data via the radio frequency interface during a mobile transaction; and transmitting payment information, the payment token, and the transaction data to a point of sale device via the near-field communication antenna.

Metadata:
- Claim Count in Document: 5.0
- Percentile: 95.0
- Lexical Diversity: 1.94643
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14976661', '15290250', '14876966', '14875009', '14049901']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1221836458737106
- 35 USC 102 Novelty (BERT): 0.4886562296482604
- Combined Prediction Score: 0.1588309042511655
- Mean Citation Score: 251.071584
- Max Citation Score: 260.56085
- Similarity Product: 225.4557400102794

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