PATENT CLAIM ANALYSIS

Application Number: 15981660
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "044000"]

Abstract:
A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.

Claim (Index 39):
The sending entity device of  claim 31 , wherein the issuer computer is operated by an issuer of the corresponding account associated with the selected payment nickname, wherein the processing server is operated by a payment processing network, and wherein the participant computer is operated by a merchant.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 93.0
- Lexical Diversity: 1.60417
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13009162', '13860402', '13718538', '12826157', '12104186']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1351092199356968
- 35 USC 102 Novelty (BERT): 0.529665970159227
- Combined Prediction Score: 0.1745648949580498
- Mean Citation Score: 272.230834
- Max Citation Score: 357.31836
- Similarity Product: 228.0030878142857

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