PATENT CLAIM ANALYSIS

Application Number: 16148314
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-01
Patent Classification: ["705", "014330"]

Abstract:
A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

Claim (Index 22):
A wireless device configured to facilitate a transaction at a merchant system, the wireless device comprising:\n one or more processors; and one or more memories having instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:\n determining merchant information for the transaction, the merchant information comprising a merchant category based at least in part on a current location of the wireless device; \n determining a plurality of purchase categories corresponding to a plurality of items to be purchased in the transaction; \n determining, based at least in part on card data stored on the wireless device for a plurality of financial account cards, rewards benefit information for the plurality of financial account cards, the rewards benefit information comprising a basis for acquiring reward points based at least in part on the merchant information; \n automatically determining a plurality of financial account cards to be utilized to purchase the items, the financial account cards being determined based at least in part on the determined rewards benefit information and the determined purchase categories of the items; and \n communicating to the merchant system card data of the financial account cards to facilitate the transaction.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 97.0
- Lexical Diversity: 2.13333
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15869815', '14467482', '16116294', '12106074', '11382638']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1321078633781972
- 35 USC 102 Novelty (BERT): 0.5680814772799138
- Combined Prediction Score: 0.1757052247683689
- Mean Citation Score: 348.76956
- Max Citation Score: 447.4125
- Similarity Product: 417.27976141646513

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

Dataset: test