PATENT CLAIM ANALYSIS

Application Number: 15907639
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-09
Patent Classification: ["705", "014530"]

Abstract:
Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders. The credit card provided to each particular cardholder is embossed with identifying information unique to that individual. The financial service provider reviews purchase transactions associated with the credit card account, and determines the transactions associated with each particular cardholder on the shared account based on the embossed information. Targeted marketing is generated and provided to the particular cardholder based on the purchase transaction information specific to that cardholder.

Claim (Index 21):
A system for generating marketing targeted to cardholders of credit card accounts, the system comprising:\n a first credit card, associated with a shared credit account, for a first cardholder, the shared credit account being associated with a financial server provider for shared use by the first cardholder and a second cardholder; a second credit card, associated with the shared credit account, for the second cardholder, wherein the first and second credit cards:\n share a primary account number, the primary account number being associated with the shared credit account, and \n each have a magnetic strip comprising a first track of information and a second track of information, the second track containing unique identifying information,\n wherein the second track of the first credit card contains a first unique identifying information, and \n wherein the second track of the second credit card contains a second unique identifying information; \n \n at least one memory storing instructions; and at least one processor configured to execute instructions to:\n receive purchase transaction information associated with the shared credit card account; \n identify, using the first unique identifying information, a first subset of the purchase transaction information, the first subset of purchase transaction information:\n comprising data relating to a first purchase transaction from a first merchant; and \n being associated with the first cardholder; \n \n identify, using the second unique identifying information, a second subset of the purchase transaction information, the second subset of purchase transaction information:\n comprising a second purchase transaction from a second merchant; and \n being associated with the second cardholder; \n \n determine whether the first and second merchants share a merchant category code; \n identify a third cardholder, the third cardholder sharing a characteristic with at least one of the first cardholder or the second cardholder; and \n transmit first targeted marketing targeted to the third cardholder based on the determination of whether the first and second merchants share the same merchant category code.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 88.0
- Lexical Diversity: 1.96552
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['10619304', '13752193', '13717239', '15435737', '13225185']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1098093970174076
- 35 USC 102 Novelty (BERT): 0.5135381541843224
- Combined Prediction Score: 0.1501822727340991
- Mean Citation Score: 259.65877800000004
- Max Citation Score: 282.2566
- Similarity Product: 192.53592420158387

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

Dataset: test