PATENT CLAIM ANALYSIS

Application Number: 15948234
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-10
Patent Classification: ["705", "044000"]

Abstract:
A processor of a transaction server may receive an authorization request prior to the authorization request being processed by a payment authorization system. The processor may identify at least one alternative to the authorization request being processed by the payment authorization system. The processor may receive a command to process the authorization request by the payment authorization system or to apply the at least one alternative. The processor may process the authorization request according to the command.

Claim (Index 9):
A device configured to generate secure transaction requests, the device comprising:\n a processor; an input device in communication with the processor; a transceiver in communication with the processor; and a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:\n receiving, by the input device, data describing a requested transaction; \n generating an authorization request configured to cause a transaction processing system to pay for the requested transaction using a first payment method; \n sending, by the transceiver, the authorization request to the transaction processing system; \n receiving, by the transceiver, data describing at least one alternative payment method different from the first payment method; \n selecting the first payment method or the at least one alternative payment method as a selected payment method to pay for the requested transaction; \n generating a command configured to cause the transaction processing system to pay for the requested transaction using the selected payment method; and \n sending, by the transceiver, the command to the transaction processing system.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 91.0
- Lexical Diversity: 2.6129
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15050963', '09878891', '11698051', '12286488', '12952811']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1169461308708791
- 35 USC 102 Novelty (BERT): 0.4742168977571671
- Combined Prediction Score: 0.1526732075595079
- Mean Citation Score: 218.28146
- Max Citation Score: 227.14249
- Similarity Product: 194.2663766935956

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