PATENT CLAIM ANALYSIS

Application Number: 16006075
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2019-12
Patent Classification: ["705", "014530"]

Abstract:
In certain aspects, the disclosed implementations include methods and systems for dynamically generating and providing transaction affinity recommendation data. In certain implementations, the transaction affinity recommendation data may include information that identifies a target merchant and associated merchant promotion data that may be generated based on a dynamic analysis of transaction data corresponding to an account record. The disclosed implementations may determine temporal relationships between pairs of sequential transactions corresponding to the account record, and based on such relationships, may identify pairs of transactions involving separate merchants. The disclosed implementations may determine affinity relationships associated with one or more pairs of the temporally related transactions and a target merchant, and based on such relationships, generate and provide the transaction affinity recommendation data.

Claim (Index 1):
A system for dynamically providing transaction affinity recommendation data, comprising:\n first transaction affinity platform computing components that execute software stored in a memory to perform transaction affinity operations to generate and provide the transaction affinity recommendation data, the first transaction affinity platform computing components performing the transaction affinity operations to:\n determine that an affinity relationship information request has been generated; \n determine a type of affinity relationship information request based on determining that the affinity relationship information request has been generated,\n the type of affinity relationship information request being associated with at least one of:\n a location based request, \n a merchant hop count request, or \n a merchant category request, \n \n \n receive transaction data associated with a set of transactions associated with a first account record,\n the set of transactions occurring within a specified time period during a transaction event; \n \n analyze the transaction data to generate a transaction affinity data set,\n the transaction affinity data set being associated with the type of affinity relationship information request; \n \n identify a first pair of temporally related transactions from the transaction affinity data set,\n the first pair of temporally related transactions including a first transaction and a second transaction that occurred later in time than the first transaction, and \n the second transaction being a next transaction; \n \n analyze transaction affinity data associated with each transaction in the first pair of temporally related transactions to determine first time gap data associated with the first transaction and the second transaction; \n generate trip transaction data based on the first time gap data,\n the trip transaction data being associated with a temporal relationship between the first transaction and the second transaction; \n \n determine whether the temporal relationship between the first transaction and the second transaction meets a threshold value,\n the threshold value being dynamically set based upon time variances associated with a location of the first transaction and a location of the second transaction,\n the time variances being determined based upon predetermined location category information, \n \u2003the predetermined location category information being associated with at least one of: \n \u2003an urban location, or \n \u2003a rural location; \n \n \n generate transaction affinity relationship data based on the trip transaction data,\n the transaction affinity relationship data including a merchant affinity count value data set,\n the merchant affinity count value data set including: \n \u2003first merchant data, \n \u2003second merchant data, and \n \u2003a merchant affinity count value; \n \n \n generate, based on the transaction affinity relationship data, first merchant recommendation data associated with a set of merchants that have an affinity relationship with a target merchant associated with at least one transaction in the first pair of temporally related transactions, such that the first merchant recommendation data is generated before a new transaction occurs after the second transaction; and \n transmit, to an interface of a user device associated with the first account record, at least one portion of the first merchant recommendation data to enable an associated selection, of the at least one portion of the first merchant recommendation data, within the interface of the user device while the user device accesses the transaction event,\n the at least one portion of the first merchant recommendation data being transmitted while the user device accesses the transaction event and before the new transaction occurs.

Metadata:
- Claim Count in Document: 51.0
- Percentile: 94.0
- Lexical Diversity: 2.12903
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14647119', '14089218', '15811541', '14949305', '09675412']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1062281349834017
- 35 USC 102 Novelty (BERT): 0.4719922364289938
- Combined Prediction Score: 0.1428045451279609
- Mean Citation Score: 174.16868200000005
- Max Citation Score: 194.17938
- Similarity Product: 152.48243840119244

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

Dataset: test