PATENT CLAIM ANALYSIS

Application Number: 15952640
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-08
Patent Classification: ["705", "007290"]

Abstract:
Systems and methods are disclosed for analyzing and predicting spending behaviors of consumers. A financial service system configures a financial service account for a user associated with a merchant. The financial service system, after receiving notification of purchase transactions made by the user with the account, may collect information relating to the transactions. The financial service system may determine other merchants that “co-occur” with the first merchant—in other words, where else are the first merchant's customers shopping and who are their true competitors? The financial service system may then compile this data and provide it to the merchant, who may modify their business practices based on the information.

Claim (Index 31):
The method of  claim 29 , wherein making the first modifications comprises:\n changing stock on hand based on identities of the first merchant and the additional merchant.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 91.0
- Lexical Diversity: 1.71429
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13717239', '14330116', '14936622', '14330506', '15368538']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1291919059586289
- 35 USC 102 Novelty (BERT): 0.5158716105219535
- Combined Prediction Score: 0.1678598764149614
- Mean Citation Score: 241.323236
- Max Citation Score: 271.36823
- Similarity Product: 155.97684987970052

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

Dataset: test