PATENT CLAIM ANALYSIS

Application Number: 15880186
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-06
Patent Classification: ["705", "014470"]

Abstract:
Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.

Claim (Index 27):
The user mobile device of  claim 21 , wherein the processor is further configured to execute the instructions to perform operations comprising:\n receiving a user dispute; transmitting the user dispute to a second processor, wherein the second processor is configured to execute instructions to perform operations comprising:\n receiving merchant historical data, \n assigning a reputation score to the merchant based on a result of analyzing historical data related to the merchant, \n determining whether the merchant is associated with a low reputation score, \n processing the dispute on an expedited basis when the merchant is associated with a low reputation score, and \n transmitting the processed dispute to the user mobile device; and \n displaying the processed dispute on the user mobile device.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 86.0
- Lexical Diversity: 2.34921
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15820783', '14288046', '15691795', '14723331', '13681745']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1199547423166004
- 35 USC 102 Novelty (BERT): 0.4949880102923207
- Combined Prediction Score: 0.1574580691141725
- Mean Citation Score: 215.724308
- Max Citation Score: 220.26863
- Similarity Product: 144.62506047643484

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

Dataset: test