PATENT CLAIM ANALYSIS

Application Number: 15917893
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2018-07
Patent Classification: ["705", "007290"]

Abstract:
A method for determining merchant availability is provided. The method includes storing in an electronic storage device a database of merchant transactions; accessing information in the database concerning the transactions, including time of the transactions and locations for merchants participating in the transactions, and assembling the information to provide locations where a merchant is currently available for conducting business. A computer readable non-transitory storage medium storing instructions of a computer program, which when executed by a computer system, results in performance of steps of the method.

Claim (Index 6):
A method for determining merchant availability comprising:\n receiving, from a point of sale device that is part of a three-party or a four-party payment card transaction processing system, raw transaction data for an authorized credit, debit, or payment card transaction of a merchant; storing, in a transaction database on an electronic storage device, (a) the raw transaction data, wherein the database further comprises (b) merchant data of the merchant, wherein the raw transaction data includes (i) time and date data, (ii) price data, and (iii) credit, debit, or payment card transaction data including personally identifying confidential information of credit, debit, or payment card users, and the merchant data including (i) geographical location data of the merchant; filtering, with a processor, the raw transaction data to remove personally identifying information of credit, debit, or payment card users, thus yielding filtered data; storing the filtered transaction data in a filtered transaction database; receiving a request from a user device of a person via an Internet accessible website access interface configured to provide website access to the filtered transaction database, wherein the request is for a merchant that is open for business and includes a time of the request and a present location of the person; determine that at least one merchant is open for business from the filtered transaction data and the merchant data based on the request; provide the person with an indicator of one or more locations of merchants that are presently open for business that meet the request; and making the indicator available to the user device via the website access interface.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 90.0
- Lexical Diversity: 1.70909
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13538305', '13537737', '13564321', '14446762', '12390003']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1116197279733195
- 35 USC 102 Novelty (BERT): 0.5679714758341098
- Combined Prediction Score: 0.1572549027593985
- Mean Citation Score: 340.7775460000001
- Max Citation Score: 437.76785
- Similarity Product: 424.1703977675945

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