PATENT CLAIM ANALYSIS

Application Number: 16279802
Application Type: Utility
Filing Date: 2019-02
Publication Date: 2019-06
Patent Classification: ["705", "040000"]

Abstract:
A method and apparatus for displaying presenting billing information of an electronic funds transfer recipient is provided. In an embodiment, a method comprises storing recipient information when a customer makes a financial transfer; requesting billing information from one or more billing companies for one or more accounts associated with the stored recipient information; storing account balance information for the one or more accounts associated with the stored recipient information; displaying, upon receipt of login information from the customer, the billing information and an option to pay the displayed bill; receiving authorization to pay the displayed bill; and causing one or more computers to execute payment of the bill using a payment account of the customer.

Claim (Index 21):
A method, comprising:\n receiving, by a computer system, identifying information for a first user; locating, by the computer system based on the identifying information, accounts of the first user that are hosted by a set of other computer systems; maintaining, by the computer system, account information specifying ones of the located accounts of the first user for which there are pending operations that can be invoked by a second user via a user device of the second user, wherein the maintaining includes periodically communicating with the set of other computer systems to update the pending operations; presenting, by the computer system based on the maintained account information, a user interface to the second user via the user device that indicates those accounts of the first user for which there are pending operations that can be invoked; receiving, by the computer system from the second user, a request to perform a particular one of the pending operations indicated within the user interface, wherein the request is associated with a particular one of the accounts of the first user; and initiating, by the computer system, the particular pending operation in relation to the particular account of the first user.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 99.0
- Lexical Diversity: 2.19298
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12855985', '10346500', '11428866', '11428861', '11428857']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1129528884153037
- 35 USC 102 Novelty (BERT): 0.4818916319065854
- Combined Prediction Score: 0.1498467627644319
- Mean Citation Score: 143.67381
- Max Citation Score: 145.90883
- Similarity Product: 91.81815659225164

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

Dataset: test