PATENT CLAIM ANALYSIS

Application Number: 16227560
Application Type: Utility
Filing Date: 2018-12
Publication Date: 2019-05
Patent Classification: ["705", "064000"]

Abstract:
Raw merchant data of real-time ISO transactions is enriched with normalized merchant data, including a normalized merchant name, a normalized merchant location, by transmitting the raw merchant data to an external resource and receiving the normalized raw merchant data from the external resource. An authorization request from a real-time ISO transaction concerning a specific mobile user can be initiated by a specific merchant device at a merchant location. A user location is obtained and utilized to identify enriched merchant data. It is the enriched merchant data that is used for deciding whether to approve or deny a transaction with more accuracy.

Claim (Index 5):
The method of  claim 1 , wherein the step of receiving the geographic location of the user device comprises:\n prior to receiving the specific ISO authorization request, receiving the user device location.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 98.0
- Lexical Diversity: 1.92857
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15182096', '14522355', '14667865', '13084426', '14060439']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1254789138317608
- 35 USC 102 Novelty (BERT): 0.5010190237765167
- Combined Prediction Score: 0.1630329248262363
- Mean Citation Score: 208.051806
- Max Citation Score: 218.29617
- Similarity Product: 136.08967785942792

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

Dataset: test