PATENT CLAIM ANALYSIS

Application Number: 15880115
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2019-07
Patent Classification: ["705", "017000"]

Abstract:
A method of optimizing future profits may include receiving an order inquiry and/or data of the user at a server device, including one or more product of interest, and training a machine learning model by analyzing labeled data. The method may include analyzing the data of the user and at least one product of interest using the trained machine learning model to generate a discounted price for the product of interest that is lower than the credit card price of the product of interest, and/or a credit limit associated with the user. The discounted price and/or credit limit may be transmitted to a user device, and an economizer selection may be received which circumvents the usage of a credit card, and a withdrawal request and/or deposit request may be initiated in response to the economizer selection.

Claim (Index 14):
A computer-implemented method of improving liquidity, the method comprising:\n training, in a server device, a machine learning model by analyzing one or more of (i) consumer characteristics, (ii) past spending patterns, or (iii) the composition of products being purchased, each with respect to a user, forecasting, using the trained machine learning model, future purchases of the user; and determining, using at least the forecasted future purchases of the user, one or both of (i) a credit card price with respect to a product and an economizer price with respect to the product, and (ii) an economizer credit limit, to optimize profit from the user.

Metadata:
- Claim Count in Document: 56.0
- Percentile: 86.0
- Lexical Diversity: 2.11765
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15442326', '09579787', '11333956', '13102118', '11474780']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1120437453974056
- 35 USC 102 Novelty (BERT): 0.476784056551809
- Combined Prediction Score: 0.1485177765128459
- Mean Citation Score: 188.793872
- Max Citation Score: 191.63431
- Similarity Product: 141.89265975793003

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