PATENT CLAIM ANALYSIS

Application Number: 15882597
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-06
Patent Classification: ["705", "041000"]

Abstract:
A system transfers money to a recipient's payment card account, without requiring an additional payment card or without acquiring a recipient's payment card or account information. A recipient registers a payment account with a service provider. A system receives an identification, generated from an entity such as a business or a person, of the recipient and information associated with an electronic notice to be transmitted to a device associated with the recipient. The system transmits the notice (advertisement or offer) to the device, the notice being associated with the recipient payment account and being transmitted prior to the recipient buying product or service associated with the notice using the recipient payment account. The notice can be associated with a network merchant category or network merchant ID for managing a gift credit identified in the notice. The system receives an indication of a purchase associated with the notice and completed using the recipient payment account and applies the gift credit.

Claim (Index 13):
A system comprising:\n a processor of a computer device; and a non-transitory computer-readable storage medium storing instructions which, when executed by the processor of the computing device, cause the processor to perform operations comprising:\n receiving, via the Internet, a registration of a recipient payment account at a service provider, the recipient payment account being associated with a recipient; \n receiving, from an entity, an identification of the recipient and a spending category, the recipient payment account being registered with the service provider prior to the receiving of the identification; \n generating, via the service provider, a policy comprising a gift credit and the spending category, wherein the policy is at least in part defined by the entity and wherein the policy is linked to the recipient payment account; \n transmitting, via a communication channel, an electronic notice to a recipient device, the electronic notice referencing the policy and being linked to the recipient payment account; \n monitoring purchasing transactions made using the recipient payment account via a payment processing system for a qualified purchase according to the policy; and \n based on the qualified purchase, applying the gift credit.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 86.0
- Lexical Diversity: 2.54412
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14467567', '12967253', '14335358', '12172995', '13236349']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1773959866654885
- 35 USC 102 Novelty (BERT): 0.5746016042317444
- Combined Prediction Score: 0.2171165484221141
- Mean Citation Score: 468.1815820000001
- Max Citation Score: 516.8698
- Similarity Product: 396.0196979521513

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