PATENT CLAIM ANALYSIS

Application Number: 16154667
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["705", "039000"]

Abstract:
Example systems and methods for clustering of users using patterns in their transactions are described. In one implementation, a method receives one or more user identifications of one or more users and one or more payment options associated with multiple transactions. The method identifies a subset of payment options from among the one or more payment options and a subset of user identifications from among the one or more user identifications. The method then analyzes the subset of payment options for patterns based on the subset of user identifications associated with a single payment option of the subset of payment options to cluster each user identification of the subset of user identifications into multiple classifications.

Claim (Index 19):
The method of  claim 11 , wherein the logistic regression algorithm is created by learning the logistic regression algorithm from training data.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 97.0
- Lexical Diversity: 2.4
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13905863', '15698227', '15789051', '14737376', '14929195']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0610599037489954
- 35 USC 102 Novelty (BERT): 0.5318493628156339
- Combined Prediction Score: 0.1081388496556593
- Mean Citation Score: 188.290196
- Max Citation Score: 341.2795700000001
- Similarity Product: 280.41704694933304

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