PATENT CLAIM ANALYSIS

Application Number: 15969662
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["235", "379000"]

Abstract:
There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

Claim (Index 60):
A mobile payment system for effecting payment for a financial transaction, the mobile payment system comprising:\n a financial transaction token comprising\n an interface; \n a memory storing data regarding an account; and \n an embedded processor coupled to the memory; \n a mobile subscriber unit comprising:\n an integrated processor configured to communicate with the interface of the financial transaction token; \n storage, coupled to the integrated processor and configured to store and retrieve code executable by the integrated processor; and \n a transceiver coupled to the integrated processor, wherein the integrated processor executes at least some of the code stored in the storage to:\n (1) command the embedded processor of the financial transaction token to assume an active state; \n (2) configure the financial transaction token to select the account for use in the financial transaction; \n (3) obtain data regarding the selected account; and \n (4) transmit the data regarding the selected account through the transceiver; \n \n wherein the financial transaction token is programmable to initiate transactions independently of the mobile subscriber unit and the mobile subscriber unit is programmable to initiate transactions independently of the financial transaction token.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 93.0
- Lexical Diversity: 2.125
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14252443', '11767185', '11767160', '12052279', '11767144']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6401172599935473
- 35 USC 102 Novelty (BERT): 0.5595337327974297
- Combined Prediction Score: 0.6320589072739355
- Mean Citation Score: 363.521056
- Max Citation Score: 449.5744
- Similarity Product: 409.9602693237304

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