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 1):
A user authentication services system comprising:\n a meta-wallet system platform; a user mobile device configured for communication with the meta-wallet system platform; and a plurality of entity computers associated with a plurality of entities, the entity computers configured for communication with the meta-wallet system platform; wherein the meta-wallet system platform comprises a meta-wallet computer operably connected to a meta-wallet master database, the meta-wallet computer comprising a meta-wallet processor operably connected to a communication device and to a storage device storing instructions configured to cause the meta-wallet processor to:\n receive, via the communication device from a user mobile device, a user authentication request comprising a meta-wallet identifier, an entity identifier associated with an entity device, a context identifier, and at least one of user biometric data, user personal assets data, and user social media data; \n determine, based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user, that the user defined at least one security protocol, and that the user is engaging in a predetermined type of activity defined by the context identifier; \n select a security protocol defined by the user based on the type of activity defined by the context identifier; \n determine that a combination of personally identifiable assets data and at least one of user biometric data and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and thus satisfies the selected security protocol; and \n transmit, via the communication device to at least one of the user mobile device and the entity computer associated with the entity identifier, a user authentication confirmation message.

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): 0.2951522488503175
- 35 USC 102 Novelty (BERT): 0.5739197020980364
- Combined Prediction Score: 0.3230289941750894
- Mean Citation Score: 304.5458720000001
- Max Citation Score: 484.28143
- Similarity Product: 412.3485082104552

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