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 18):
A computer system comprising:\n one or more processors; and one or more memories storing instructions which, when executed by the one or more processors, cause the computing system to: receive an order inquiry and data of the user at a server device, wherein the order inquiry includes at least one product of interest, train, in the server device, a machine learning model by analyzing labeled data, analyze the data of the user and at least one product of interest using the trained machine learning model to generate one or both of (i) a discounted price corresponding to the product of interest, wherein the discounted price is lower than a credit card price corresponding to the product of interest, and (ii) a credit limit associated with the user, transmit the one or both of the discounted price, and the credit limit to a user device, receive, via an input device of the user device, an economizer selection, wherein the economizer selection circumvents credit card usage; and in response to the economizer selection, one or both of (i) initiate a withdrawal of funds from a first ledger, and (ii) initiate a deposit of funds into a second ledger.

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): 0.110901813617745
- 35 USC 102 Novelty (BERT): 0.4880995379040487
- Combined Prediction Score: 0.1486215860463754
- Mean Citation Score: 188.793872
- Max Citation Score: 191.63431
- Similarity Product: 126.39038955254316

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