PATENT CLAIM ANALYSIS

Application Number: 15953844
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-08
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods for aggregating commercial transaction information from a plurality of transaction systems of merchants, and evaluating the aggregated information utilizing machine learning and artificial intelligence algorithms are disclosed. The commercial transaction information is parsed, aggregated, and evaluated based on patterns recognized by the artificially intelligent system. One or more fraud clusters are generated based on the recognized patterns. The fraud clusters are utilized to generate a predictive fraud score for a transaction initiated by a customer. Interpretation of the predictive fraud score by a transaction system of a merchant allows for a determination as to whether the transaction initiated by the customer is likely a legitimate transaction or a fraudulent transaction.

Claim (Index 2):
The method according to  claim 1 , wherein the fraud cluster is created based on aggregated transaction attributes from historical transaction data for legitimate transactions and fraudulent transactions.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 91.0
- Lexical Diversity: 1.98361
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['09782681', '14991099', '14525273', '09675412', '14922643']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1342238404163805
- 35 USC 102 Novelty (BERT): 0.4937220693894809
- Combined Prediction Score: 0.1701736633136906
- Mean Citation Score: 248.072402
- Max Citation Score: 254.3634
- Similarity Product: 198.90482693274024

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

Dataset: test