PATENT CLAIM ANALYSIS

Application Number: 16148314
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-01
Patent Classification: ["705", "014330"]

Abstract:
A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

Claim (Index 32):
A method for enabling a wireless device associated with a user to identify card data for use during a transaction at a merchant system, the method comprising:\n determining, by one or more processors of the wireless device, merchant information for the transaction, the merchant information comprising a merchant category based at least in part on a current location of the wireless device; determining, by the one or more processors, a first purchase category corresponding to a first item to be purchased in the transaction; determining, by the one or more processors, a second purchase category corresponding to a second item to be purchased in the transaction, the second category being different from the first purchase category; determining, by the one or more processors, based at least in part on card data stored on the wireless device for a plurality of financial account cards, rewards benefit information for the plurality of financial account cards, the rewards benefit information comprising a basis for acquiring reward points based at least in part on the merchant information; automatically determining, by the one or more processors, a first financial account card to be utilized to purchase the first item, the first financial account card being determined based at least in part on the determined rewards benefit information and the determined first purchase category; automatically determining, by the one or more processors, a second financial account card to be utilized to purchase the second item, the second financial account card being determined based at least in part on the determined rewards benefit information and the determined second purchase category; and communicating, to the merchant system via the wireless device, card data of the first financial account card and card data of the second financial account card to facilitate the transaction.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 97.0
- Lexical Diversity: 2.13333
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15869815', '14467482', '16116294', '12106074', '11382638']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1337758014240094
- 35 USC 102 Novelty (BERT): 0.5608521403264533
- Combined Prediction Score: 0.1764834353142538
- Mean Citation Score: 348.76956
- Max Citation Score: 447.4125
- Similarity Product: 361.2036188721657

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

Dataset: test