PATENT CLAIM ANALYSIS

Application Number: 16006075
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2019-12
Patent Classification: ["705", "014530"]

Abstract:
In certain aspects, the disclosed implementations include methods and systems for dynamically generating and providing transaction affinity recommendation data. In certain implementations, the transaction affinity recommendation data may include information that identifies a target merchant and associated merchant promotion data that may be generated based on a dynamic analysis of transaction data corresponding to an account record. The disclosed implementations may determine temporal relationships between pairs of sequential transactions corresponding to the account record, and based on such relationships, may identify pairs of transactions involving separate merchants. The disclosed implementations may determine affinity relationships associated with one or more pairs of the temporally related transactions and a target merchant, and based on such relationships, generate and provide the transaction affinity recommendation data.

Claim (Index 11):
A system for providing transaction affinity recommendation data, comprising:\n computing components that execute software stored in a memory to perform transaction affinity operations to receive and process transaction affinity recommendation data, the computing components performing the transaction affinity operations to:\n determine that an affinity relationship information request has been generated; \n determine a type of affinity relationship information request based on determining that the affinity relationship information request has been generated,\n the type of affinity relationship information request being associated with at least one of:\n a location based request, \n a merchant hop count request, or \n a merchant category request; \n \n \n receive, over a network from a transaction affinity platform system, merchant affinity recommendation data that is associated with a set of merchants that have an affinity relationship with a target merchant associated with at least one transaction in a first pair of temporally related transactions, wherein the merchant affinity recommendation data is generated by the transaction affinity platform system based on:\n (1) an analysis of transaction data associated with a set of transactions associated with a first account record to generate a transaction affinity data set,\n the set of transactions occurring within a specified time period during a transaction event, and \n the transaction affinity data set being associated with the type of affinity relationship information request, \n \n (2) an identification of the first pair of temporally related transactions from the transaction affinity data set, the first pair of temporally related transactions including a first transaction and a second transaction that occurred later in time from the first transaction,\n the second transaction being a next transaction, \n \n (3) first time gap data associated with the first transaction and the second transaction that is generated based on an analysis of transaction affinity data associated with each transaction in the first pair of temporally related transactions, \n (4) trip transaction data that is generated based on the first time gap data, the trip transaction data being associated with a temporal relationship between the first transaction and the second transaction, \n (5) a determination of whether the temporal relationship between the first transaction and the second transaction meets a threshold value,\n the threshold value being dynamically set based upon time variances associated with a location of the first transaction and a location of the second transaction, \n \u2003the time variances being determined based upon predetermined location category information, \n \u2003the predetermined location category information being associated with at least one of: \n \u2003an urban location, or \n \u2003a rural location, and \n \n (6) transaction affinity relationship data that is generated based on the trip transaction data,\n wherein the transaction affinity relationship data includes a merchant affinity count value data set, \n \u2003the merchant affinity count value data set including: \n \u2003first merchant data, \n \u2003second merchant data, and \n \u2003a merchant affinity count value, \n \n wherein the merchant affinity recommendation data is generated by the transaction affinity platform system before a new transaction occurs after the second transaction in the first pair of temporally related transactions; and \n \n a display, on an interface of a user device associated with the first account record, that displays at least one portion of the merchant affinity recommendation data,\n the at least one portion of the merchant affinity recommendation data being transmitted while the user device is in the transaction event and before the new transaction occurs, \n the interface to enable an associated selection, of the at least one portion of the merchant affinity recommendation data, within the interface of the user device while the user device accesses the transaction event.

Metadata:
- Claim Count in Document: 51.0
- Percentile: 94.0
- Lexical Diversity: 2.12903
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14647119', '14089218', '15811541', '14949305', '09675412']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1057601678290377
- 35 USC 102 Novelty (BERT): 0.4768517259075062
- Combined Prediction Score: 0.1428693236368845
- Mean Citation Score: 174.16868200000005
- Max Citation Score: 194.17938
- Similarity Product: 145.63066928634882

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