PATENT CLAIM ANALYSIS

Application Number: 16164307
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-08
Patent Classification: ["705", "014400"]

Abstract:
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

Claim (Index 41):
The method of  claim 35 , wherein the intermediate server is a facilitator configured to communication with one or more servers is selected from the group consisting of a payment processor, one or more financial institution servers, and one or more payment network servers.

Metadata:
- Claim Count in Document: 68.0
- Percentile: 97.0
- Lexical Diversity: 1.25
- Patent Class: 705.0
- Transitional Phrase Type: closed
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13689229', '15683359', '10375501', '13669632', '13689270']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1522760133109749
- 35 USC 102 Novelty (BERT): 0.5348944980505295
- Combined Prediction Score: 0.1905378617849303
- Mean Citation Score: 342.77882
- Max Citation Score: 368.69666
- Similarity Product: 244.167884185853

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