PATENT CLAIM ANALYSIS

Application Number: 15880224
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2019-07
Patent Classification: ["705", "014270"]

Abstract:
A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.

Claim (Index 1):
A transaction backend device, comprising:\n one or more memories; and one or more processors, communicatively coupled to the one or more memories, configured to:\n receive, from a transaction terminal, transaction information related to a transaction that is being completed at the transaction terminal,\n the transaction information identifying:\n a location of the transaction, and \n an individual associated with the transaction; \n \n \n determine that an application installed on a user device, associated with the individual, was opened during the transaction and that a virtual transaction card, associated with the individual, was not selected when completing the transaction; \n determine, prior to completing the transaction and based on determining that the application was opened during the transaction and that the virtual transaction card was not selected, that a benefit account was not used in association with completing the transaction,\n the benefit account being associated with at least one of:\n receiving rewards points in association with the transaction, \n receiving loyalty points in association with the transaction, or \n receiving a discount in association with the transaction; \n \n \n identify, based on determining that the benefit account was not used in association with completing the transaction, the virtual transaction card; \n apply, based on selecting the virtual transaction card, the benefit account to the transaction; and \n complete the transaction based on applying the benefit account.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 86.0
- Lexical Diversity: 2.96226
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15793667', '15849215', '15812841', '15875271', '15725022']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0912532310381158
- 35 USC 102 Novelty (BERT): 0.4891020051702506
- Combined Prediction Score: 0.1310381084513293
- Mean Citation Score: 183.438316
- Max Citation Score: 199.02557
- Similarity Product: 143.5111169659984

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