PATENT CLAIM ANALYSIS

Application Number: 16164307
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-08
Patent Classification: ["705", "014400"]

Abstract:
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

Claim (Index 39):
The method of  claim 38 , wherein upon authorization the intermediate server debits a financial account of the originator that is maintained by another server.

Metadata:
- Claim Count in Document: 68.0
- Percentile: 97.0
- Lexical Diversity: 1.25
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13689229', '15683359', '10375501', '13669632', '13689270']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1338614659393057
- 35 USC 102 Novelty (BERT): 0.5373434750109956
- Combined Prediction Score: 0.1742096668464747
- Mean Citation Score: 342.77882
- Max Citation Score: 368.69666
- Similarity Product: 301.5275730436063

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