PATENT CLAIM ANALYSIS

Application Number: 16023368
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2018-11
Patent Classification: ["235", "494000"]

Abstract:
A system for conducting transactions without a debit card or credit card may receive a request to complete a transaction including authentication data associated with a transaction account and a captured biometric template. The transaction request may lack information contained on a typical debit card or credit card. The system may identify the transaction account using the authentication data associated with the transaction account. The transaction account may be associated with a stored biometric template stored in a biometric data store. The system may also compare the stored biometric template with the captured biometric template. In response to the stored biometric template conflicting with the captured biometric template, the system may decline the transaction.

Claim (Index 12):
The method of  claim 1 , further comprising prompting, by the server and at a point of sale device, for the scratch pad.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 94.0
- Lexical Diversity: 2.52083
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15597852', '11421451', '15090311', '14938490', '10120328']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5346921800209841
- 35 USC 102 Novelty (BERT): 0.5268571614619008
- Combined Prediction Score: 0.5339086781650757
- Mean Citation Score: 223.889526
- Max Citation Score: 369.16986
- Similarity Product: 268.0092028448224

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