PATENT CLAIM ANALYSIS

Application Number: 15939182
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-10
Patent Classification: ["705", "014270"]

Abstract:
A system and method for determining and/or providing rewards without requiring a consumer having to register individual purchases. In some embodiments, there is described a system that requires no additional Point of Sale (POS) hardware to implement a loyalty program, and no additional POS process to capture transactions associated with a loyalty program.

Claim (Index 1):
A system for determining consumer rewards comprising:\n Accessing consumer financial institution information comprising one or more transactions; Receiving merchant reward offer information comprising one or more reward conditions and one or more reward values; Determining whether said one or more transactions correspond to said one or more reward conditions; and Delivering a reward based at least in part on said one or more transactions, said one or more reward conditions and said one or more reward values.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 90.0
- Lexical Diversity: 1.31111
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13841900', '13713406', '11555013', '12486131', '12486140']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0813359674706006
- 35 USC 102 Novelty (BERT): 0.4373178894492951
- Combined Prediction Score: 0.1169341596684701
- Mean Citation Score: 101.2469008
- Max Citation Score: 107.23508
- Similarity Product: 91.34888393713474

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

Dataset: test