PATENT CLAIM ANALYSIS

Application Number: 15958176
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-10
Patent Classification: ["705", "039000"]

Abstract:
Systems and methods for providing customer spending disincentive, wherein the system includes one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to receive customer data and customer location data from a customer device, identify a customer and a merchant based on the received data, determine an applicable customer disincentive option based on customer preference data included in the received customer data, the customer disincentive relating to a potential retail transaction with the identified merchant, and transmit a notification to the customer device, the notification including the determined customer disincentive option.

Claim (Index 1):
A system for providing a customer disincentive, comprising:\n one or more memory devices storing software instructions; and one or more processors configured to execute the software instructions to:\n receive customer data and customer location data from a device associated with a customer of the financial service provider through a wireless network; \n identify the customer based on the customer data; \n identify a merchant and merchant premises in proximity of the customer location based on the received location data; \n identify a financial account associated with the customer; \n determine an applicable customer disincentive option based on the identified merchant and customer preference data included in the received customer data and the financial account, the disincentive option relating to a potential retail transaction for goods or services with the identified merchant; \n transmit through the wireless network a notification to the customer device before the customer initiates a transaction with the merchant, the notification including the determined disincentive option,\n wherein the notification is configured to be dynamically displayed on the customer device according to selections made by the customer; and \n \n freeze, before the customer initiates the transaction with the merchant, the financial account based on the determined disincentive option and the customer location data.

Metadata:
- Claim Count in Document: 43.0
- Percentile: 91.0
- Lexical Diversity: 1.98148
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14499979', '14472641', '15797644', '15714567', '15863587']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1132068817236919
- 35 USC 102 Novelty (BERT): 0.4850572033003903
- Combined Prediction Score: 0.1503919138813618
- Mean Citation Score: 212.981318
- Max Citation Score: 221.48257
- Similarity Product: 165.58659138996958

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