PATENT CLAIM ANALYSIS

Application Number: 15869815
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["705", "014170"]

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 31):
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, a location of the wireless device; determining, by the one or more processors, a category of an item to be purchased in the transaction, the category being determined based at least in part on the location of the wireless device; 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 at least some of the plurality of financial account cards; determining, by the one or more processors, a first financial account card to be utilized to purchase the item, the first financial account card being determined based at least in part on the determined rewards benefit information and the determined category of the item; and communicating, to the merchant system via the wireless device, card data of the first financial account card to facilitate purchase of the item.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 86.0
- Lexical Diversity: 2.13333
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14467482', '12106074', '11382638', '13442664', '14611038']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1378089486759536
- 35 USC 102 Novelty (BERT): 0.5494802322993687
- Combined Prediction Score: 0.1789760770382951
- Mean Citation Score: 293.075604
- Max Citation Score: 413.07532
- Similarity Product: 397.8534060580158

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