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 19):
A system, comprising:\n at least one microprocessor; memory storing instructions configured to instruct the at least one microprocessor 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; \n identify a first time period of the payment transaction based on a timestamp associated with a time at which the payment transaction was conducted; \n determine a cookie ID associated with the IP address of the device associated with the user, the cookie ID associated with a second time period, the second time period being within a predetermined amount of time after the first time period; \n determine at least one online activity associated with the cookie ID based on the IP address of the device associated with the user, wherein the at least one online activity comprises an online activity conducted before the payment transaction; \n correlate the at least one online activity associated with the cookie ID with transaction data associated with the payment transaction; \n 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; \n generate an offer associated with an online advertisement for the user based on the correlation result; and \n communicate the offer associated with the online advertisement to the user via the IP address of the device associated with the user.

Metadata:
- Claim Count in Document: 9.0
- Percentile: 88.0
- Lexical Diversity: 2.07547
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14267143', '12849798', '13277165', '13288713', '12849791']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1144529914888866
- 35 USC 102 Novelty (BERT): 0.5270316661673535
- Combined Prediction Score: 0.1557108589567333
- Mean Citation Score: 272.28296800000004
- Max Citation Score: 347.14487
- Similarity Product: 284.6391961170376

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