PATENT CLAIM ANALYSIS

Application Number: 16154667
Application Type: Utility
Filing Date: 2018-10
Publication Date: 2019-02
Patent Classification: ["705", "039000"]

Abstract:
Example systems and methods for clustering of users using patterns in their transactions are described. In one implementation, a method receives one or more user identifications of one or more users and one or more payment options associated with multiple transactions. The method identifies a subset of payment options from among the one or more payment options and a subset of user identifications from among the one or more user identifications. The method then analyzes the subset of payment options for patterns based on the subset of user identifications associated with a single payment option of the subset of payment options to cluster each user identification of the subset of user identifications into multiple classifications.

Claim (Index 3):
The system of  claim 2 , further comprising:\n filtering the each user identification of the subset of user identifications comprising:\n determining whether the record Dt is classified in the first classification based on analyzing the each payment option of the subset of payment options by determining a first similarity score for each of the more than one user identification of the subset of user identifications mapped to the same payment option, using:\n let D t ={D i }, i=1, 2, . . . N, where in D i  denotes a collection of information pertaining to users who used a particular payment option t i , and N denotes a number of records in a data set; and \n each record D k  may be expressed as {t k , c 1 k , c 2 k , . . . } where D k  includes a t k  unique user identification generated from the particular payment option t i  comprising a credit card, and c j k  represents the jth user information that used the t k  unique user identification; and \n \n determining whether the record D t  is classified in the second classification by using the one or more processors to determine similarities in the user information and filtering for similarities using a second similarity score, wherein the determining whether the record D t  is classified in the second classification further comprises:\n searching the user information comprising at least first names, last names, and physical addresses; \n applying an edit distance on the first names and the last names between all pairs of the user information in the record D t  that shared the single payment option; \n filtering the user information by the single payment option attributable to multiple user identifications and by transaction history; and \n when the edit distance for the user information falls below a preset threshold, then the user information is clustered in the second classification.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 97.0
- Lexical Diversity: 2.4
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13905863', '15698227', '15789051', '14737376', '14929195']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0545714660311947
- 35 USC 102 Novelty (BERT): 0.5285796065357935
- Combined Prediction Score: 0.1019722800816546
- Mean Citation Score: 188.290196
- Max Citation Score: 341.2795700000001
- Similarity Product: 294.5265795811457

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

Dataset: test