PATENT CLAIM ANALYSIS

Application Number: 16151256
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-01
Patent Classification: ["705", "016000"]

Abstract:
A computing system implements a network transaction service in which prepaid cards physically residing at merchant locations. Users of the network transaction service can launch a service application to indicate a transaction at the merchant location. A transaction data set is then received from a point-of-sale terminal at the merchant location—corresponding to use of the prepaid card—which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount of the transaction.

Claim (Index 10):
A non-transitory computer readable medium storing instructions that, when executed by one or more processors of a computing system, cause the computing system to:\n communicate, over one or more wireless networks, with (i) a service application executing on computing devices of users of a network transaction service, and (ii) point-of sale (POS) terminals of merchants; store, in memory, (i) card identifiers each associated with a prepaid card of a plurality of prepaid cards of the network transaction service, (ii) merchant identifiers each associated with a merchant location at which a corresponding one of the plurality of prepaid cards physically resides, and (iii) user identifiers each associated with a user of the network transaction service; for a specified prepaid card physically residing at a current merchant location, fund a funding account of the specified prepaid card from a shared funding source of the network transaction service; receive, over one or more wireless networks, a customer data set from the service application executing on a computing device of a given user of the network transaction service, the customer data set indicating a transaction by the given user at the current merchant location, the customer data set comprising (i) a user identifier identifying the given user, and (ii) location data indicating that the given user is located at the current merchant location; determine the merchant identifier of the current merchant location; based on the merchant identifier, determine the card identifier of the specified prepaid card residing at the current merchant location; receive, over the one or more wireless networks, a transaction data set from a POS terminal at the current merchant location, the transaction data set indicating an amount of the transaction; access the funding account of the specified prepaid card to confirm that the amount of the transaction has been processed at the current merchant location; transmit, over the one or more wireless networks, a communication to the service application executing on the computing device of the given user, the communication identifying the amount of the transaction; and access a customer account of the given user to transfer the amount of the transaction from the customer account to the shared funding source of the network transaction service.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 97.0
- Lexical Diversity: 1.92593
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14730155', '14730139', '14730127', '15391679', '16050064']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1199780531242659
- 35 USC 102 Novelty (BERT): 0.5438474071025134
- Combined Prediction Score: 0.1623649885220907
- Mean Citation Score: 356.99094
- Max Citation Score: 393.4748
- Similarity Product: 317.7588822165728

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

Dataset: test