PATENT CLAIM ANALYSIS

Application Number: 15954404
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-08
Patent Classification: ["235", "379000"]

Abstract:
Methods, devices, and systems for conducting a checkless cash access settlement are provided. In one embodiment, a cash advance method includes the following: a customer initiates a cash access transaction via a cash access system; the customer receives authorization or denial; the customer provides identification and the financial card to a cashier or attendant; the cashier or attendant validates the customer's identity, retrieves the transaction information, and completes the cash advance application; the application prints a non-negotiable instrument, such as a transaction receipt; the customer signs the receipt confirming the transaction with a physical receipt or electronic capture.

Claim (Index 1):
A method for making funds available for gaming, the method comprising:\n allowing a customer to select a monetary value transaction at a terminal, the monetary value transaction allowing cash access based on a customer source of funds, and said monetary value transaction creating a negotiable instrument which represents an amount of money and which may be redeemed for cash or casino credit; receiving information regarding said source of funds at said terminal to obtain customer identification information; generating a request for authorization of the monetary value transaction when the customer selects the monetary value transaction; completing processing of said transaction at a station, wherein when said request for authorization has been approved and an identity of the customer is verified, generating the negotiable instrument, the negotiable instrument comprising at least some of the obtained customer identification information and is endorsable by the customer; and either: (a) printing a hard copy of the negotiable instrument for endorsement by the customer, whereby said customer may utilize said endorsed negotiable instrument to receive funds; or (b) receiving an electronic endorsement for the negotiable instrument from the customer at said terminal and transmitting said endorsement to said station, whereby said customer may utilize the endorsed negotiable instrument to receive funds.

Metadata:
- Claim Count in Document: 2.0
- Percentile: 91.0
- Lexical Diversity: 1.88333
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14969916', '14231029', '13245516', '11223708', '12268857']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6806726123694616
- 35 USC 102 Novelty (BERT): 0.5516070655678614
- Combined Prediction Score: 0.6677660576893016
- Mean Citation Score: 415.024758
- Max Citation Score: 444.85117
- Similarity Product: 428.9571925974364

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