PATENT CLAIM ANALYSIS

Application Number: 15907639
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-09
Patent Classification: ["705", "014530"]

Abstract:
Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders. The credit card provided to each particular cardholder is embossed with identifying information unique to that individual. The financial service provider reviews purchase transactions associated with the credit card account, and determines the transactions associated with each particular cardholder on the shared account based on the embossed information. Targeted marketing is generated and provided to the particular cardholder based on the purchase transaction information specific to that cardholder.

Claim (Index 35):
The system of  claim 21 , wherein the first unique identifying information is stored in a discretionary data section on the second track of information.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 88.0
- Lexical Diversity: 1.96552
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['10619304', '13752193', '13717239', '15435737', '13225185']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1210956747977818
- 35 USC 102 Novelty (BERT): 0.5271060272507473
- Combined Prediction Score: 0.1616967100430783
- Mean Citation Score: 259.65877800000004
- Max Citation Score: 282.2566
- Similarity Product: 146.7718620025754

Labels:
- Claim Label 101: 0
- Claim Label 102: 1
- Claim Label 103: 0
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 0

Dataset: test