PATENT CLAIM ANALYSIS

Application Number: 16021961
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2020-01
Patent Classification: ["705", "075000"]

Abstract:
Embodiments disclosed herein generally relate to a system and method for obfuscating personal identification information. A computing system receives, from a remote computing system associated with a third party merchant, user credentials. The computing system parses the user credentials to extract an account number and a verification address. The computing system identifies a user account associated with the extracted account number. The computing system identifies that the verification address is different from a billing address in the user account. The computing system determines that a decoy billing address exists for the user. The computing system determines that the received billing address matches the decoy billing address for the user. The computing system verifies the transaction with the third party merchant by transmitting a verification message to the remote computing system, without revealing the stored billing address in the user account.

Claim (Index 1):
A method, comprising\n receiving, by a computing system from a remote computing system associated with a a first third party merchant, a first transaction request for a user, the first transaction request comprising user credentials comprising at least an account number and a verification address of the user attempting to perform a first transaction with the first third party merchant; authenticating, by the computing system, the first transaction request by:\n parsing the user credentials to extract the account number and the verification address; \n identifying a user account associated with the extracted account number; \n identifying that the verification address is different from a billing address in the user account; \n determining that a decoy billing address exists for the user, the decoy billing address comprising a string of characters defined by the user; and \n determining that the received verification address matches the decoy billing address for the user; \n verifying, by the computing system, the first transaction request with the first third party merchant by transmitting a a first verification message to the first remote computing system, without revealing the stored billing address in the user account:, receiving, by the computing system from a second remote computing system associated with a second third party merchant, a second transaction request for the user, the second transaction request comprising the user credentials; authenticating, by the computing system, the second transaction request by:\n parsing the user credentials to extract the account number and the verification address; \n identifying the user account associated with the extracted account number; \n identifying that the verification address is different from the billing address in the user account; \n determining that the decoy billing address exists for the user; and \n determining that the received verification address matches the decoy billing address for the user; and \n verifying, by the computing system, the second transaction request with the second third party merchant by transmitting a second verification message to the second remote computing system, without revealing the stored billing address in the user account.

Metadata:
- Claim Count in Document: 33.0
- Percentile: 94.0
- Lexical Diversity: 2.60345
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15978389', '09713506', '11933602', '15616509', '10711613']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1834751198107904
- 35 USC 102 Novelty (BERT): 0.4839927469358682
- Combined Prediction Score: 0.2135268825232981
- Mean Citation Score: 239.651054
- Max Citation Score: 242.37123
- Similarity Product: 179.412960602138

Labels:
- Claim Label 101: 1
- Claim Label 102: 0
- Claim Label 103: 1
- Claim Label 112: 1
- Combined Label: 0
- Label 101 Adjusted: 1

Dataset: test