PATENT CLAIM ANALYSIS

Application Number: 16039670
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["235", "380000"]

Abstract:
A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.

Claim (Index 22):
The method of  claim 18 , wherein the payment processing computer modifies the second authorization request message to exclude the replacement account identifier and to include the original account identifier, sends the second authorization request message with the original account identifier to the authorization computer and receives the second authorization response message from the authorization computer comprising the original account identifier, modifies the second authorization response message to include the replacement account identifier and transmits the second authorization response message with the replacement account identifier to the management computer.

Metadata:
- Claim Count in Document: 35.0
- Percentile: 95.0
- Lexical Diversity: 1.85484
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14600523', '14455574', '15388739', '14340464', '13460293']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6193442090453526
- 35 USC 102 Novelty (BERT): 0.5319981866838125
- Combined Prediction Score: 0.6106096068091986
- Mean Citation Score: 283.8198920000001
- Max Citation Score: 379.86407
- Similarity Product: 330.24343920872866

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