PATENT CLAIM ANALYSIS

Application Number: 15870192
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-05
Patent Classification: ["235", "380000"]

Abstract:
A method and system for creating an assurance level based on authentication data attributes using a computer device coupled to a database are provided. The method includes receiving an authorization request associated with the financial transaction from the sender, the authorization request including a fraud risk assessment of the financial transaction determined by the sender using an authentication response received from the computer device by the sender, the authorization request including one or more reason codes associated with the sender fraud risk assessment. The method further includes transmitting the received authorization request to an issuer associated with the cardholder.

Claim (Index 39):
One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:\n electronically capture interaction data from a consumer interaction, the interaction data including interaction data attributes; transmit an authentication request message associated with the consumer interaction to an authenticator computing device, wherein the authentication request message includes at least some of the interaction data attributes; receive an authentication response to the authentication request message that includes results of the authentication routine; generate a fraud risk assessment based upon the authentication response; transmit an authorization request message to an authorizing party, the authorization request message including the fraud risk assessment; and receive an authorization response from the authorizing party.

Metadata:
- Claim Count in Document: 74.0
- Percentile: 86.0
- Lexical Diversity: 1.89091
- Patent Class: 235.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15462526', '14640701', '14719645', '14720309', '15247114']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6668616500150926
- 35 USC 102 Novelty (BERT): 0.5886400360695252
- Combined Prediction Score: 0.6590394886205359
- Mean Citation Score: 387.290818
- Max Citation Score: 540.09357
- Similarity Product: 473.8002476055783

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

Dataset: test