PATENT CLAIM ANALYSIS

Application Number: 15952659
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-08
Patent Classification: ["235", "383000"]

Abstract:
A “no-touch” mobile checkout experience frees consumers from the need to manually locate and activate a mobile payment application in order to complete a transaction. The consumer simply brings his mobile device within close range of an interface console, which in various embodiments prompts the device to launch an application that causes display of a payment token without user action. If the consumer's device is not NFC-capable, the interface console can read a displayed token optically in the usual fashion.

Claim (Index 1):
A method of processing a transaction between a consumer and a merchant, the method comprising:\n receiving, from a remote token-generating server, a token by a device of the consumer and storing the token in a memory of the device; positioning, by the consumer, a display of the device within view of an optical scanner of a merchant checkout system capable of NFC communications; if the device is NFC enabled and within NFC range of the checkout system, (i) establishing, without action by the consumer, an NFC communication channel between the device and the checkout system, (ii) communicating, by the checkout system, over the communication channel a request to display the stored token, (iii) in response to the request, displaying, by the device, the stored token, (iv) optically reading and electronically decoding, by the checkout system, the token upon presentation thereof by the device, and (v) completing, by the checkout system, the transaction based at least in part on the decoded token information; and if the device is incapable of NFC communications, (i) in response to an action by the consumer, displaying, by the device, the stored token, (ii) optically reading and electronically decoding, by the checkout system, the token upon presentation thereof by the device, and (iii) completing, by the checkout system, the transaction based at least in part on the decoded token information.

Metadata:
- Claim Count in Document: 5.0
- Percentile: 91.0
- Lexical Diversity: 1.41935
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13939434', '14283771', '15355351', '13960260', '13663561']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5824163420513375
- 35 USC 102 Novelty (BERT): 0.5006794167456845
- Combined Prediction Score: 0.5742426495207722
- Mean Citation Score: 271.344766
- Max Citation Score: 320.9709
- Similarity Product: 318.18020903059244

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