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 76):
A process in a system for use by a payer and a payee, wherein the system comprises:\n a payments adviser computer system comprising computer software executing on computer hardware remote from the payer's computer system and payee's computer system and communicable over the internet; and a payments clearance system comprising computer software executing on computer hardware remote from the payer's computer system and payee's computer system and which hardware includes a payer's financial institution's computer system and a payee's financial institution's computer system, the process comprising: in response to a request from the payer's computer system, the payment adviser system allocating an identifier for a financial document of the payer, the identifier being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance system; the payments adviser system receiving an upload of the financial document from the payer's computer system at or after the time of the request and storing the financial document against the identifier; the payments clearance system receiving from the payer's computer system a payment and a payment reference containing or consisting of the identifier which signifies a location to access the financial document; the payments clearance system sending to the payee's financial institution's computer system a first payment advice containing information from the payer' financial institution including the identifier thereby enabling the payee's financial institution's computer system to create a second payment advice or a bank statement accessible to the payee containing information from the first payment advice, thereby allowing the payee to provide the identifier and access the stored financial document.

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): 0.1141112056821994
- 35 USC 102 Novelty (BERT): 0.6758572239012678
- Combined Prediction Score: 0.1702858075041062
- Mean Citation Score: 402.962028
- Max Citation Score: 691.9778
- Similarity Product: 654.3013167987108

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