PATENT CLAIM ANALYSIS

Application Number: 15869815
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "014170"]

Abstract:
A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

Claim (Index 22):
A wireless device configured to facilitate payment at a merchant system, the wireless device comprising:\n one or more processors; and one or more memories having instructions that, when executed by the one or more processors, cause the one or more processors to perform the operations of:\n determining a location of the wireless device; \n determining a category of an item to be purchased in a transaction at the merchant system, the category being determined based at least in part on the location of the wireless device; \n determining, based at least in part on card data stored on the wireless device for a plurality of financial account cards, rewards benefit information for at least some of the plurality of financial account cards; \n determining a first financial account card to be utilized to purchase the item, the first financial account card being determined based at least in part on the determined rewards benefit information and the determined category of the item; and \n communicating to the merchant system card data of the first financial account card to facilitate purchase of the item.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.13333
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14467482', '12106074', '11382638', '13442664', '14611038']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1380915386071765
- 35 USC 102 Novelty (BERT): 0.5485489453422963
- Combined Prediction Score: 0.1791372792806884
- Mean Citation Score: 293.075604
- Max Citation Score: 413.07532
- Similarity Product: 385.7078135350752

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

Dataset: test