PATENT CLAIM ANALYSIS

Application Number: 16154667
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["705", "039000"]

Abstract:
Example systems and methods for clustering of users using patterns in their transactions are described. In one implementation, a method receives one or more user identifications of one or more users and one or more payment options associated with multiple transactions. The method identifies a subset of payment options from among the one or more payment options and a subset of user identifications from among the one or more user identifications. The method then analyzes the subset of payment options for patterns based on the subset of user identifications associated with a single payment option of the subset of payment options to cluster each user identification of the subset of user identifications into multiple classifications.

Claim (Index 11):
A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media, the method comprising:\n receiving one or more user identifications of one or more users and one or more payment options associated with multiple transactions; identifying the one or more user identifications associated with one or more user profiles; distilling a subset of payment options from among the one or more payment options, and a subset of user identifications from among the one or more user identifications, such that each payment option of the subset of payment options is associated with more than one user identification of the subset of user identifications; analyzing the subset of payment options for patterns based on the subset of user identifications associated with a single payment option of the subset of payment options to cluster each user identification of the subset of user identifications into multiple classifications; determining, using a logistic regression algorithm, a first classification comprising a single user of the one or more users mapped to more than one of the subset of user identifications; determining, using the logistic regression algorithm, a second classification comprising one or more first users of the one or more users mapped to the more than one user identification of the subset of user identifications, wherein the one or more first users are part of the same household; and responsive to receiving a query, providing instructions to display a particular classification of the each user identification of the subset of user identifications at a computing device.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 97.0
- Lexical Diversity: 2.4
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13905863', '15698227', '15789051', '14737376', '14929195']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0546345791064372
- 35 USC 102 Novelty (BERT): 0.5320270748799544
- Combined Prediction Score: 0.1023738286837889
- Mean Citation Score: 188.290196
- Max Citation Score: 341.2795700000001
- Similarity Product: 244.9055717359276

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