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 16):
The method of  claim 15 , further comprising:\n determining, based on account usage information, that a virtual transaction card, related to the benefit account, was not selected for the transaction after determining whether the individual is associated with the benefit account; and where determining that the benefit account was not used in association with completing the transaction comprises:\n determining that the benefit account was not used after determining that the virtual transaction card was not selected.

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): 0.0910821899063141
- 35 USC 102 Novelty (BERT): 0.4911538990418679
- Combined Prediction Score: 0.1310893608198695
- Mean Citation Score: 183.438316
- Max Citation Score: 199.02557
- Similarity Product: 140.46948263596414

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