PATENT CLAIM ANALYSIS

Application Number: 16279802
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-06
Patent Classification: ["705", "040000"]

Abstract:
A method and apparatus for displaying presenting billing information of an electronic funds transfer recipient is provided. In an embodiment, a method comprises storing recipient information when a customer makes a financial transfer; requesting billing information from one or more billing companies for one or more accounts associated with the stored recipient information; storing account balance information for the one or more accounts associated with the stored recipient information; displaying, upon receipt of login information from the customer, the billing information and an option to pay the displayed bill; receiving authorization to pay the displayed bill; and causing one or more computers to execute payment of the bill using a payment account of the customer.

Claim (Index 35):
A system, comprising:\n at least one processor; and memory having program instruction stored thereon that are executable by the at least one processor to cause the system to perform operations comprising:\n receiving identifying information for a first user; \n locating, based on the identifying information, accounts of the first user that are hosted by a set of other computer systems; \n maintaining account information specifying ones of the located accounts of the first user for which there are pending operations that can be invoked by a second user via a user device of the second user; \n based on the maintained account information, causing a user interface to be presented to the second user via the user device, wherein the user interface indicates those accounts of the first user for which there are pending operations that can be invoked by the second user; \n receiving, from the second user via the user device, a request to perform a particular one of the pending operations indicated within the user interface, wherein the request is associated with a particular one of the accounts of the first user; and \n initiating the particular pending operation in relation to the particular account of the first user.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 99.0
- Lexical Diversity: 2.19298
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12855985', '10346500', '11428866', '11428861', '11428857']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1124736371973556
- 35 USC 102 Novelty (BERT): 0.4863473352986187
- Combined Prediction Score: 0.149861007007482
- Mean Citation Score: 143.67381
- Max Citation Score: 145.90883
- Similarity Product: 88.11165735251663

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

Dataset: test