PATENT CLAIM ANALYSIS

Application Number: 16245668
Application Type: Utility
Filing Date: 2019-01
Publication Date: 2019-05
Patent Classification: ["705", "014100"]

Abstract:
In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement.

Claim (Index 10):
A system for communicating offer options in real time with processing of a payment transaction comprising at least one processor programmed or configured to:\n store, in a data warehouse in communication with a transaction handler, data associating a first account of a user with a communication reference of a device of the user; store, in the data warehouse, a completion status of a plurality of events corresponding to an offer available during execution of an offer campaign, the plurality of events including at least one prerequisite event and a final event, the plurality of events corresponding to a required order of the plurality of events; receive, from an offeror corresponding to the offer, a new or modified event that modifies the required order; determine a most recent event, of the plurality of events, completed by the user; determine, based on the required order, if the new or modified event is required temporally after the most recent event or before the most recent event; in response to determining that the new or modified event is required temporally after the most recent event, modify the required order of the plurality of events to include the new or modified event; in response to determining that the new or modified event is required temporally before the most recent event, not modify the required order of the plurality of events to include the new or modified event; receive an authorization response for a first transaction between a merchant and the first account of the user; determine that the first transaction in the first account has been approved based on receiving the authorization response and that the user of the first account has completed the plurality of events in the required order; communicate a redemption message to the device using the communication reference stored in the data warehouse in association with the first account, the redemption message identifying the offer to redeem the amount of loyalty benefits towards the first transaction, wherein the redemption message is communicated so as to arrive at the device substantially at a same time as the authorization response arrives at a merchant associated with the first transaction; and settle the first transaction by applying the amount of loyalty benefits by reducing an amount of the first transaction.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 99.0
- Lexical Diversity: 1.56818
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13589897', '13237457', '14523185', '15297757', '13630295']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1465896847744014
- 35 USC 102 Novelty (BERT): 0.5340574171313246
- Combined Prediction Score: 0.1853364580100937
- Mean Citation Score: 313.05508999999995
- Max Citation Score: 390.92682
- Similarity Product: 296.38172057565447

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