PATENT CLAIM ANALYSIS

Application Number: 15922087
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["705", "014100"]

Abstract:
Systems and methods for administering merchant funded third-party administered rewards programs are provided. The system receives information about a transaction made using a payment device and determines whether the payment device is enrolled in the rewards program. If the payment device is enrolled in the rewards program, the system determines if the transaction qualifies for a reward. If the transaction qualifies for the reward, the system determines a rewards value for the transaction. Thereafter, the system determines a prepaid payment token associated with the payment device and instructs an issuer of the prepaid payment token to load the rewards value onto the prepaid payment token.

Claim (Index 28):
A rewards entity server computer comprising a processor, and a non-transitory computer-readable storage medium including instructions which, when executed by a processor embedded in a computer system, cause the computer system to execute a method comprising:\n receiving, from a computer system, first transaction data indicating details about a first transaction processed by the computer system based on communicating with a first issuer computer of a first issuing entity, wherein the first transaction is conducted, using a payment device that is issued by a first issuing entity, with a first merchant of a plurality of merchants; determining whether the payment device is enrolled in a rewards program, wherein determining whether the payment device is enrolled in the rewards program includes querying a device enrollment database to identify a first association between the payment device and a rewards administration entity that operates the rewards administering entity server computer; receiving from the computer system, second transaction data indicating details about a second transaction processed by the computer system based on communicating with the first issuer computer, wherein the second transaction is conducted, using the payment device, with a second merchant of the plurality of merchants; upon determining that the payment device is enrolled in the rewards program based on the first association between the payment device and the rewards administration entity, determining whether transactions conducted using the payment device qualify for a reward for use of the payment device; determining a reward value for the transactions upon determining that the transactions conducted using the payment device qualify for the reward; identifying a rewards payment token on or in a form of a device associated with the payment device that is enrolled in the rewards program, wherein identifying the rewards payment token associated with the payment device includes: identifying a second association between account information associated with the rewards payment token and account information associated with the payment device; identifying using the second association, a second issuing entity as an issuer of the rewards payment token, wherein the second issuing entity is different from the first issuing entity; and sending to a second issuer computer system operated by the second issuing entity, an authorization message indicating an instruction to the second issuer computer system operated by the second issuing entity to load the reward value determined, based on the second association, for the transactions in the rewards payment token on or in the form of the device, wherein the instruction causes the second issuer computer system operated by the second issuing entity to load or store the reward value in the rewards payment token on or in the form of the device.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 90.0
- Lexical Diversity: 2.26
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12878954', '11835100', '14505353', '15435737', '13356506']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.129589674822638
- 35 USC 102 Novelty (BERT): 0.634504969878192
- Combined Prediction Score: 0.1800812043281935
- Mean Citation Score: 413.335628
- Max Citation Score: 594.61725
- Similarity Product: 563.7047812417746

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