PATENT CLAIM ANALYSIS

Application Number: 15891611
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["235", "379000"]

Abstract:
Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.

Claim (Index 34):
A merchant issued payment vehicle system, comprising:\n a merchant issued (MI) payment vehicle having a unique identification number encoded on the merchant issued payment vehicle, the unique identification number linked to an account number associated with a customer loyalty program of a merchant; and a payment processor configured to:\n receive transaction data from a merchant computing device when the MI payment vehicle is introduced to the merchant computing device, wherein the transaction data comprises data identifying items purchased as a part of a transaction; \n provide the transaction data to the customer loyalty program; and \n upon receipt of an updated account number associated with the customer loyalty program, link the updated account number to the unique identification number encoded on the MI payment vehicle.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 88.0
- Lexical Diversity: 1.6
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14033495', '14326596', '15423918', '14962321', '14228363']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5538112820713128
- 35 USC 102 Novelty (BERT): 0.488167532979661
- Combined Prediction Score: 0.5472469071621476
- Mean Citation Score: 240.674986
- Max Citation Score: 246.32498
- Similarity Product: 185.3277747703302

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

Dataset: test