PATENT CLAIM ANALYSIS

Application Number: 15914227
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "044000"]

Abstract:
Systems and methods using a network of wearable devices to support secure payment for a user are described. The network of wearable devices may include a wearable secure unit including a first short-range transceiver, a wearable sensory unit including a second short-range transceiver, and a wearable communication unit including a third short-range transceiver and a long-range transceiver. The systems and methods may include receiving a transaction request from a merchant device. Thereafter, the systems and methods may obtain information from the wearable secure unit configured to provide an environment in which processes and data are securely stored and executed. The systems and methods may also obtain information from the wearable sensory unit configured to capture and compare biometrics of the user with a stored profile. Based on the obtained information, the systems and methods may instruct the wearable communication unit to transmit to the merchant device user authentication data.

Claim (Index 1):
A wearable system for supporting secure payment by a user, the system comprising:\n a plurality of short-range transceivers, wherein each of the plurality of short-range transceivers is configured to relay information to at least one other short-range transceiver, the plurality of short-range transceivers including at least a first short-range transceiver, a second short-range transceiver, and a third short-range transceiver; a wearable secure unit configured to provide an environment in which processes and data are securely stored and executed, the secure unit including a first power source and the first short-range transceiver and including a secure element having a memory storing a plurality of slots, each of the plurality of slots storing a token associated with a financial account; a wearable sensory unit configured to capture and compare biometrics of the user with a stored profile, the sensory unit including a second power source and the second short-range transceiver; a wearable communication unit configured to communicate with a merchant device, the communication unit including a third power source, a long-range transceiver, and the third short-range transceiver; and at least one processor configured to:\n receive a transaction request from the merchant device; \n obtain information from the wearable secure unit and from the wearable sensory unit; \n identify a token stored in an active slot among the plurality of slots when the transaction request is received, wherein only one slot of the plurality of slots is active at a time and the active slot rotates among the plurality of slots over time; and \n instruct the wearable communication unit to transmit to the merchant device user authentication data and the token stored in the active slot.

Metadata:
- Claim Count in Document: 45.0
- Percentile: 90.0
- Lexical Diversity: 2.40909
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15142994', '15909713', '14842787', '15381070', '14871355']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1081597080298396
- 35 USC 102 Novelty (BERT): 0.4913906448906416
- Combined Prediction Score: 0.1464828017159198
- Mean Citation Score: 189.311204
- Max Citation Score: 223.83054
- Similarity Product: 157.0496229936254

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