PATENT CLAIM ANALYSIS

Application Number: 16279478
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-07
Patent Classification: ["705", "016000"]

Abstract:
A payee ( 300 A) sends a financial document ( 335 ) such as an invoice to a payer ( 1 A) via a payment adviser service ( 2001, 3001 ). The payer ( 1 A) sends a financial document ( 45 ) such as an advice of payment to the payment adviser service ( 2001, 3001 ) and instructions for payment ( 80 ) to a payment clearance system ( 100 ). The payment clearance system sends to the payee ( 300 A) information on where to access the financial document ( 45 ) by including it in the payee's bank statement ( 315 ).

Claim (Index 57):
A computer system for allowing a payer to pay a payee as a financial transaction through a financial institution's computer system and securely providing the payee with access to a financial document relating to the financial transaction comprising:\n a payments adviser computer system remote from the payer's computer system and payee's computer system; at least one payments clearance computer system remote from the payer's computer system and payee's computer system; the payments adviser computer system configured to receive from the payer's computer system a request over the internet for a document reference code for a financial document relating to the payment constructed by the payer's computer system; the payment adviser system configured to allocate a document reference code to the payer's computer system in response to the request, document reference code being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system; the payments adviser system configured to receive from the payer's computer system, at or after the time of the request, an upload over the internet of financial document to for storage per the document reference code; at the time of uploading the financial document, the payments adviser computer system configured to receive from the payer's computer system (a) payment account details of the payee and (b) security authentication information; at least one payments clearance computer system configured to process a payment instruction issued by the payer to the payer's financial institution's computer system that includes the amount to be transferred, the payment account details of the payee and the document reference code such that the document reference code appears in a transaction field in the documents received by the payee from the payee's financial institution's computer system; the at least one payments clearance computer system configured to process the payment instruction by debiting the payer financial institution's computer system and crediting the payee financial institution's computer system, such that the payee financial institution's computer system provides to the payee details of transaction including the document reference code; the payments adviser computer system configured to be contacted by the payee via the internet using in the URI the document reference code; the payments adviser computer system configured to provide to the payee the uploaded copy of the financial document via the internet.

Metadata:
- Claim Count in Document: 113.0
- Percentile: 99.0
- Lexical Diversity: 2.36735
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: True
- Related Applications: ['12515813', '10145636', '11428874', '09827788', '10229959']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1140874299131101
- 35 USC 102 Novelty (BERT): 0.6759988176567717
- Combined Prediction Score: 0.1702785686874763
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 654.7509295352818

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