PATENT CLAIM ANALYSIS

Application Number: 15880519
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "017000"]

Abstract:
The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.

Claim (Index 25):
The method of  claim 21 , wherein the payment token comprises information associating the payment token with an account of a user operating the first mobile device.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.23077
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15142994', '14472641', '13481766', '15061982', '14472610']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1385053154020532
- 35 USC 102 Novelty (BERT): 0.5032499686351621
- Combined Prediction Score: 0.174979780725364
- Mean Citation Score: 239.28840600000004
- Max Citation Score: 267.72375
- Similarity Product: 200.0419764921069

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

Dataset: test