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 34):
The method of  claim 33  wherein the portion of the first transaction data about the first transaction and the second transaction data about the second transaction comprises at least the account number associated with the payment device, a total amount for each of the first transaction and the second transaction, and information about a first item that was purchased as part of the first transaction and about a second item that was purchased as part of the second transaction.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 90.0
- Lexical Diversity: 2.26
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['12878954', '11835100', '14505353', '15435737', '13356506']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1510518401555476
- 35 USC 102 Novelty (BERT): 0.5999344800100973
- Combined Prediction Score: 0.1959401041410026
- Mean Citation Score: 413.335628
- Max Citation Score: 594.61725
- Similarity Product: 430.02416097213336

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