PATENT CLAIM ANALYSIS

Application Number: 15914227
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods using a network of wearable devices to support secure payment for a user are described. The network of wearable devices may include a wearable secure unit including a first short-range transceiver, a wearable sensory unit including a second short-range transceiver, and a wearable communication unit including a third short-range transceiver and a long-range transceiver. The systems and methods may include receiving a transaction request from a merchant device. Thereafter, the systems and methods may obtain information from the wearable secure unit configured to provide an environment in which processes and data are securely stored and executed. The systems and methods may also obtain information from the wearable sensory unit configured to capture and compare biometrics of the user with a stored profile. Based on the obtained information, the systems and methods may instruct the wearable communication unit to transmit to the merchant device user authentication data.

Claim (Index 20):
A non-transitory computer-readable storage medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method for using a network of wearable devices to support secure payment for a user, the method comprising:\n receiving a transaction request from a merchant device; obtaining information from a wearable secure unit including a first short-range transceiver and a secure element having a memory storing a plurality of slots, and configured to provide an environment in which processes and data are securely stored and executed, each of the plurality of slots storing a token associated with a financial account; obtaining information from a wearable sensory unit including a second short-range transceiver and configured to capture and compare biometrics of the user with a stored profile; identifying a token stored in an active slot among the plurality of slots when the transaction request is received, wherein only one slot of the plurality of slots is active at a time and the active slot rotates among the plurality of slots over time; and instructing a wearable communication unit including a third short-range transceiver and a long-range transceiver to transmit to the merchant device user authentication data.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 90.0
- Lexical Diversity: 2.40909
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15142994', '15909713', '14842787', '15381070', '14871355']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1095130666500116
- 35 USC 102 Novelty (BERT): 0.4768192684284134
- Combined Prediction Score: 0.1462436868278518
- Mean Citation Score: 189.311204
- Max Citation Score: 223.83054
- Similarity Product: 185.4304284039402

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