PATENT CLAIM ANALYSIS

Application Number: 15973075
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2019-11
Patent Classification: ["705", "044000"]

Abstract:
In one aspect, the present disclosure relates to a method for improving a financial computer network by providing merchant quality ratings, the method comprising: receiving, at a server device, card transaction data for a plurality of merchants; determining a first location associated with a first user device; identifying a first merchant having a location near the first location; calculating a merchant quality rating for the first merchant using the card transaction data; generating a first notification message comprising a risk assessment of the first merchant based on the merchant quality rating for the first merchant; and presenting the first notification message to a user of the first user device.

Claim (Index 11):
The method of  claim 9  wherein identifying the third merchant comprises matching the website URL against a list of known merchant website URLs.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 93.0
- Lexical Diversity: 2.14286
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14814188', '12568065', '13624834', '15958572', '15410529']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1056349729294185
- 35 USC 102 Novelty (BERT): 0.5043678107267484
- Combined Prediction Score: 0.1455082567091515
- Mean Citation Score: 217.00837400000003
- Max Citation Score: 250.91968
- Similarity Product: 185.24693195541383

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