PATENT CLAIM ANALYSIS

Application Number: 16291630
Application Type: Utility
Filing Date: 2019-03
Publication Date: 2019-10
Patent Classification: ["705", "014330"]

Abstract:
A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points. The ghost card completes the financial transaction which is, from the perspective of a redemption retailer, a conventional card transaction.

Claim (Index 1):
A system comprising: a mobile rewards control center in communication with a prepaid card management system and a mobile device of a user, wherein the mobile rewards control center manages a plurality of user rewards accounts, said accounts have account identification numbers and said rewards accounts are associated with prepaid card management accounts corresponding to the users associated with the user accounts.

Metadata:
- Claim Count in Document: 23.0
- Percentile: 99.0
- Lexical Diversity: 1.56818
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14058666', '13356506', '14523185', '13442664', '13273109']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1225844431771815
- 35 USC 102 Novelty (BERT): 0.5080737157411209
- Combined Prediction Score: 0.1611333704335754
- Mean Citation Score: 219.964126
- Max Citation Score: 304.18634
- Similarity Product: 233.6840811655545

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

Dataset: test