PATENT CLAIM ANALYSIS

Application Number: 15968267
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-08
Patent Classification: ["726", "007000"]

Abstract:
Systems, methods and apparatus are described for securely authenticating a user at an appropriate level of security depending on context. A system embodiment includes a meta-wallet system platform, a user mobile device, and a plurality of entity computers. A meta-wallet processor receives a user authentication request from a user mobile device including a meta-wallet identifier, an entity identifier, a context identifier, and at least one of user biometric data, user personal assets data, and user social media data. The meta-wall processor then determines that the user is a registered meta-wallet user, defined at least one security protocol, and is engaging in a predetermined type of activity. A security protocol is then selected, and a determination made that a combination of personally identifiable assets data and user biometric data and/or user social media data matches stored data and satisfies the security protocol. The meta-wallet processor then transmits a user authentication confirmation message to the user mobile device and/or to an entity computer.

Claim (Index 5):
The system of  claim 1 , further comprising a payment network operably connected to the meta-wallet computer.

Metadata:
- Claim Count in Document: 7.0
- Percentile: 93.0
- Lexical Diversity: 2.28205
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14514847', '15252468', '15481077', '15410466', '15378801']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2976528166237688
- 35 USC 102 Novelty (BERT): 0.5671985120755446
- Combined Prediction Score: 0.3246073861689464
- Mean Citation Score: 304.5458720000001
- Max Citation Score: 484.28143
- Similarity Product: 374.3055554096413

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

Dataset: test