PATENT CLAIM ANALYSIS

Application Number: 15896792
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "347000"]

Abstract:
The disclosed embodiments include systems and methods for generating merchant recommendations for a user. In one embodiment, the disclosed embodiments may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to perform operations consistent with the disclosed embodiments. In one aspect, the one or more processors may be configured to receive consumer transaction data associated with a plurality of consumer purchases from at least one data source and store the received consumer transaction data in the one or more memory devices. In another embodiment, the one or more processors may be configured to identify a plurality of merchant recommendations based on the stored consumer transaction data and one or more attributes associated with each of a plurality of merchants. The processor(s) may also be configured to generate corresponding recommendation scores for each of the identified plurality of merchant recommendations based on one or more recommendation models. The one or more processors may further provide the plurality of merchant recommendations and corresponding recommendation scores to the user.

Claim (Index 29):
A computer-implemented method for generating merchant recommendations for a user, comprising:\n receiving, via at least one processor, consumer transaction data associated with a plurality of purchases from at least one data source; storing the received consumer transaction data in the one or more memory devices according to a data structure having a column corresponding to an attribute associated with a merchant; updating the stored consumer transaction data to include merchant information for merchants associated with the consumer purchases; generating one or more merchant indices for querying and retrieving data based on the updated consumer transaction data stored in the one or more memory devices, wherein the one or more indices are created using content associated with the column of the data structure; generating a merchant affinity model based on the updated consumer transaction data retrieved using the one or more merchant indices, the merchant affinity model including comparative statistics of a plurality of merchants based on a frequency and volume of the consumer purchases of the user; detecting real time context information of a portable electronic device associated with the user; identifying a plurality of merchant recommendations based on the detected real time context information, the generated one or more merchant indices, and one or more attributes associated with each of a plurality of merchants; receiving an advertisement for each of the identified plurality of merchant recommendations; and providing a signal to an application executed on the portable electronic device, the application being configured to display, the advertisement.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 88.0
- Lexical Diversity: 2.58904
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13734693', '15139176', '13715792', '13794334', '13794301']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.086984782867949
- 35 USC 102 Novelty (BERT): 0.4914707865801372
- Combined Prediction Score: 0.1274333832391678
- Mean Citation Score: 233.533718
- Max Citation Score: 242.9087
- Similarity Product: 182.295528604877

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