PATENT CLAIM ANALYSIS

Application Number: 15973075
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2019-11
Patent Classification: ["705", "044000"]

Abstract:
In one aspect, the present disclosure relates to a method for improving a financial computer network by providing merchant quality ratings, the method comprising: receiving, at a server device, card transaction data for a plurality of merchants; determining a first location associated with a first user device; identifying a first merchant having a location near the first location; calculating a merchant quality rating for the first merchant using the card transaction data; generating a first notification message comprising a risk assessment of the first merchant based on the merchant quality rating for the first merchant; and presenting the first notification message to a user of the first user device.

Claim (Index 20):
A system for improving a financial computer network by providing merchant quality ratings, the system comprising:\n a processor; and a non-volatile memory storing computer program code that when executed on the processor causes the processor to execute a process operable to:\n receive, at a server device, card transaction data for a plurality of merchants; \n determine a first location associated with a first user device, the first user device operated by a first user; \n send the first location from the server device to an Application Programming Interface (API) provided by a places service; \n receive a response from the places service comprising place information associated with the first location; \n match the place information against a list of known merchants to identify a first merchant associated with the first location; \n calculate a merchant quality rating for the first merchant using the card transaction data; \n generate a first notification message comprising a risk assessment of the first merchant based on the merchant quality rating for the first merchant; \n present the first notification message to the first user at the first location; \n determine a second location associated with a second user device, the second user device operated by a second user; \n identify a second merchant associated with the second location; \n calculate a merchant quality rating for the second merchant using the card transaction data; \n generate a second notification message comprising a risk assessment of the second merchant based on the merchant quality rating for the second merchant and \n present the second notification message to the second user at the second location.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 93.0
- Lexical Diversity: 2.14286
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14814188', '12568065', '13624834', '15958572', '15410529']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0952178124417266
- 35 USC 102 Novelty (BERT): 0.4981155819034418
- Combined Prediction Score: 0.1355075893878981
- Mean Citation Score: 217.00837400000003
- Max Citation Score: 250.91968
- Similarity Product: 195.80298115341188

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