PATENT CLAIM ANALYSIS

Application Number: 15872683
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2019-07
Patent Classification: ["705", "044000"]

Abstract:
A method including: receiving, from a sender, a group message directed toward the transfer facilitator and a recipient; identifying the sender and a payment account associated with the sender; parsing the group message to identify contact information for the recipient and instructions for a transfer request; contacting, using a private message and the parsed contact information, the recipient with instructions for receiving a payment from the sender; receiving, from the recipient, payment reception information including at least one of a recipient account or a payment method; and initiating, in accordance with the instructions for the transfer request, a fund transfer from the sender to the recipient from the identified payment account associated with the sender and the received payment reception information.

Claim (Index 17):
A system comprising:\n one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:\n implement a conversational bot for facilitating transfer requests; \n receive, from a telephone number of a sender, a telephony group message addressed to a telephone number associated with the conversational bot and a recipient telephone number associated with a recipient, the telephony group message including a funds transfer request from the sender to the recipient; \n parse the group message to identify the telephone number associated with the recipient; \n output, to the recipient based on the telephone number associated with the recipient, a payment recovery message requesting information on delivering payment to the recipient, a body of the payment recovery message being determined by the conversational bot; \n receive, from the recipient, payment reception information; \n initiate, in accordance with the funds transfer request, a fund transfer from the sender to the recipient based on the payment reception information; \n identify, from the group message, the telephone number of the sender; and \n determine an identity of the sender based on the telephone number of the sender, \n wherein the sender has a personal account associated with the system, and the recipient does not have a personal account associated with the system.

Metadata:
- Claim Count in Document: 11.0
- Percentile: 86.0
- Lexical Diversity: 2.77551
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11692708', '15209685', '13921787', '14312456', '13782587']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1349375717552856
- 35 USC 102 Novelty (BERT): 0.5008718503693452
- Combined Prediction Score: 0.1715309996166916
- Mean Citation Score: 262.563444
- Max Citation Score: 282.38098
- Similarity Product: 223.8553509371769

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

Dataset: test