PATENT CLAIM ANALYSIS

Application Number: 15872683
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2019-07
Patent Classification: ["705", "044000"]

Abstract:
A method including: receiving, from a sender, a group message directed toward the transfer facilitator and a recipient; identifying the sender and a payment account associated with the sender; parsing the group message to identify contact information for the recipient and instructions for a transfer request; contacting, using a private message and the parsed contact information, the recipient with instructions for receiving a payment from the sender; receiving, from the recipient, payment reception information including at least one of a recipient account or a payment method; and initiating, in accordance with the instructions for the transfer request, a fund transfer from the sender to the recipient from the identified payment account associated with the sender and the received payment reception information.

Claim (Index 22):
A method of facilitating transfer comprising:\n receiving, at a transfer facilitator, a group message configured to initiate a funds transfer, the group message sent using a text-messaging protocol and comprising a unique identifier; parsing the group message to identify transaction data comprising a telephone number of a sender of the group message, a telephone number of a recipient of the funds transfer, and an amount of the funds transfer; identifying, based on the telephone number of the sender, a sender name and a payment account associated with the sender; generating a customized dynamic webpage with:\n filled fields for:\n the sender name, \n the telephone number of the sender, \n the telephone number of the recipient, and \n the amount of the funds transfer, and \n \n unfilled fields for:\n a name of the recipient, and \n a payment account for the recipient, and \n \n an input indicating the recipient accepts the funds transfer; \n sending a private message to the telephone number of the recipient using the text-messaging protocol, the private message including instructions for receiving the funds transfer from the sender and a link to the dynamic webpage; receiving, from the dynamic webpage, recipient information including: the name of the recipient, the payment account for the recipient, and the input accepting the funds transfer; and initiating the funds transfer from the sender to the recipient from the payment account associated with the sender to the payment account associated with the recipient.

Metadata:
- Claim Count in Document: 11.0
- Percentile: 86.0
- Lexical Diversity: 2.77551
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11692708', '15209685', '13921787', '14312456', '13782587']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1347514265626277
- 35 USC 102 Novelty (BERT): 0.5030479858797204
- Combined Prediction Score: 0.171581082494337
- Mean Citation Score: 262.563444
- Max Citation Score: 282.38098
- Similarity Product: 215.0207792565024

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