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 6):
The method of  claim 1 , further comprising:\n receiving the offer with a set of criteria; storing a trigger record identifying the set of criteria; monitoring payment transactions based on the trigger record, each of the payment transactions being processed by the transaction handler in response to an account identifier being submitted by an acquirer processor for a payment from an issuer to an acquirer, the issuer to make the payment on behalf of an account holder of the account identifier issued by the issuer to the account holder, and the acquirer to receive the payment on behalf of a merchant from which the account holder made a purchase; and identifying the first transaction based on a determination that the first transaction satisfies the set of criteria identified by the trigger record.

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): 0.145652511363849
- 35 USC 102 Novelty (BERT): 0.5359454736899459
- Combined Prediction Score: 0.1846818075964587
- Mean Citation Score: 313.05508999999995
- Max Citation Score: 390.92682
- Similarity Product: 346.5904594335724

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