PATENT CLAIM ANALYSIS

Application Number: 15904587
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-07
Patent Classification: ["705", "007290"]

Abstract:
In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.

Claim (Index 18):
A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to:\n identify an account number of an account of a user involved in a payment transaction and an Internet Protocol (IP) address of a device associated with the user; identify a first time period of the payment transaction based on a timestamp associated with a time at which the payment transaction was conducted; assign the account number of the account of the user and a cookie ID associated with the IP address of the device associated with the user in a data structure, wherein the cookie ID is associated with a second time period, the second time period being within a predetermined amount of time of the first time period; determine the cookie ID associated with the IP address of the device associated with the user based on the data structure; determine at least one online activity associated with the cookie ID based on the IP address of the device associated with the user; correlate the at least one online activity associated with the cookie ID, conducted at a time before the payment transaction, with the account number of the account of the user involved in the payment transaction; generate a correlation result based on correlating the at least one online activity with the payment transaction, wherein the correlation result comprises data indicating a rate of conversion from the at least one online activity to the payment transaction; generate an offer associated with an online advertisement for the user based on the correlation result; and communicate the offer associated with the online advertisement to the user.

Metadata:
- Claim Count in Document: 9.0
- Percentile: 88.0
- Lexical Diversity: 2.07547
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14267143', '12849798', '13277165', '13288713', '12849791']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1271223965624168
- 35 USC 102 Novelty (BERT): 0.5300096639377864
- Combined Prediction Score: 0.1674111232999537
- Mean Citation Score: 272.28296800000004
- Max Citation Score: 347.14487
- Similarity Product: 272.1939944590616

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