PATENT CLAIM ANALYSIS

Application Number: 15973419
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-11
Patent Classification: ["705", "064000"]

Abstract:
A financial transaction system between a customer and a financial institution that facilitates use of a mobile wireless device at an ATM in lieu of an ATM card provides for a central system, a portable wireless device of the customer, an automated teller machine (ATM), an ATM identification on an ATM identification tag. The portable wireless device has an interface that is able to read the ATM identification. The central system, the portable wireless device, and the ATM communicate on a global computer network and the portable wireless device is used to conduct a financial transaction with the ATM in lieu of a bankcard of the financial institution.

Claim (Index 4):
The method as in  claim 1 , comprising the steps of:\n using a wireless device of the customer to identify and verify the customer identity to the computer systems managing the ATM.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 93.0
- Lexical Diversity: 2.26923
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12928712', '12928717', '10046834', '12928741', '12928727']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1450516700894707
- 35 USC 102 Novelty (BERT): 0.5450265126946294
- Combined Prediction Score: 0.1850491543499866
- Mean Citation Score: 375.750836
- Max Citation Score: 419.32257
- Similarity Product: 330.13885384806986

Labels:
- Claim Label 101: 1
- Claim Label 102: 1
- Claim Label 103: 0
- Claim Label 112: 1
- Combined Label: 1
- Label 101 Adjusted: 1

Dataset: test