PATENT CLAIM ANALYSIS

Application Number: 15922087
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["705", "014100"]

Abstract:
Systems and methods for administering merchant funded third-party administered rewards programs are provided. The system receives information about a transaction made using a payment device and determines whether the payment device is enrolled in the rewards program. If the payment device is enrolled in the rewards program, the system determines if the transaction qualifies for a reward. If the transaction qualifies for the reward, the system determines a rewards value for the transaction. Thereafter, the system determines a prepaid payment token associated with the payment device and instructs an issuer of the prepaid payment token to load the rewards value onto the prepaid payment token.

Claim (Index 33):
A method comprising:\n receiving, by a computer system, first transaction data about a first transaction conducted with a first merchant of a plurality of merchants, the first transaction data including an account number associated with a payment device issued by a first issuing entity, wherein the first transaction is conducted using the payment device, and wherein the first transaction is processed by the computer system based on communication with a first issuer computer of the first issuing entity; determining, by the computer system, that the payment device is enrolled in a rewards program, wherein determining that the payment device is enrolled in the rewards program includes identifying an association between the account number associated with the payment device and an account number associated with a payment token, and wherein a plurality of payment devices are enrolled in the rewards program and are associated with a consumer, and wherein the account number of the payment token is associated with an account number of each of the plurality of payment devices; determining, by the computer system, a rewards administering entity associated with the rewards program; receiving, by the computer system, second transaction data about a second transaction conducted with a second merchant of the plurality of merchants, the second transaction data including the account number associated with the payment device issued by the first issuing entity, wherein the second transaction is conducted using the payment device, and wherein the second transaction is processed by the computer system based on communication with the first issuer computer; communicating, by the computer system, a portion of the first transaction data about the first transaction and the second transaction data about the second transaction to a server computer of the rewards administering entity, wherein the portion of the first transaction data about the first transaction and the second transaction data about the second transaction causes the server computer to:\n identify the payment token on or in a form of a device associated with the payment device that is enrolled in the rewards program, \n identify a second issuing entity as an issuer of the payment token, wherein the second issuing entity is different from the first issuing entity, and \n send, to a second issuer computer operated by the second issuing entity, an authorization message indicating an instruction to the second issuer computer operated by the second issuing entity to load or store a reward value determined for transactions in the payment token on or in the form of the device upon determining that the transactions qualify for a reward, wherein the instruction causes the second issuer computer operated by the second issuing entity to load or store the reward value in the payment token on or in the form of the device, and wherein the payment token is configured for the reward value loaded in the payment token to be redeemable at one or more merchants.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 90.0
- Lexical Diversity: 2.26
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12878954', '11835100', '14505353', '15435737', '13356506']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.129546673910672
- 35 USC 102 Novelty (BERT): 0.6347369021741066
- Combined Prediction Score: 0.1800656967370154
- Mean Citation Score: 413.335628
- Max Citation Score: 594.61725
- Similarity Product: 564.5641067605912

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

Dataset: test