PATENT CLAIM ANALYSIS

Application Number: 15908209
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-07
Patent Classification: ["705", "066000"]

Abstract:
Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, enable parties conducting transactions to identify a financial institution and payment network for a financial account associated with a pre-provisioned payment token using existing payment protocols. The method may include receiving from a third-party device a request for funding account information that identifies a token that does not identify a financial service provider or a payment network. The method may further include accessing a database to retrieve token information associated with the token, the token information include a link account number that indicates a funding account, a financial service provider associated with the funding account, and a payment network, and user preferences associated with the token. The method may further include providing the link account number to the third-party device in response to the request for funding account information according to the one or more user preferences.

Claim (Index 24):
The system of  claim 21 , the operations further comprising storing the token in a database amongst a plurality of tokens, each of the plurality of tokens being associated with one or more users, wherein the token does not identify the financial service provider or the payment network.

Metadata:
- Claim Count in Document: 2.0
- Percentile: 88.0
- Lexical Diversity: 2.47692
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15142994', '15880519', '15381070', '15136492', '12649625']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1210716272606991
- 35 USC 102 Novelty (BERT): 0.5411218321412331
- Combined Prediction Score: 0.1630766477487525
- Mean Citation Score: 284.304868
- Max Citation Score: 417.71295
- Similarity Product: 269.049139515835

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

Dataset: test