PATENT CLAIM ANALYSIS

Application Number: 16032303
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2020-01
Patent Classification: ["705", "067000"]

Abstract:
Systems and methods for authenticating transactions from a mobile device are described, including authenticating a user and a merchant location. A remote server receives an authentication request from a point-of-sale device, and requests that a user's mobile device use an associated camera to take a picture of the user at the merchant location. The remote server then processes the picture to determine the authenticity of the user and the location, and provides an authentication approval or denial to the point-of-sale device, instructing the point-of-sale device to execute, or not to execute, the transaction.

Claim (Index 12):
A system for authenticating components of a transaction, comprising:\n an identification database containing user identification information including reference images of a user, information identifying a mobile device associated with the user, and location identification information including reference images of a location; and an authentication server, in communication with the identification database, including an authentication processor programmed to:\n receive an authentication request from a device associated with the location, the authentication request including information identifying the user participating in the transaction, wherein the authentication request is responsive to the initiation of the transaction between the mobile device and the device associated with the location, wherein the mobile device is associated with a camera and is configured to communicate with the authentication server and the device associated with the location; \n transmit a picture request to the mobile device; \n receive a picture taken by the associated camera of the mobile device in response to the picture request; \n analyze the picture to determine the probability that the picture includes an image of at least a portion of the user, including comparing the picture to images of the user stored in the identification database; \n analyze the picture to determine the probability that the picture includes an image of at least a portion of the location other than the device associated with the location, including comparing the picture to images of the location stored in the identification database; and \n if the probability that the picture includes an image of the user is above a user probability threshold, and the probability that the image includes an image of the location is above a location probability threshold, transmitting an authentication approval response to the device associated with the location.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 95.0
- Lexical Diversity: 2.01961
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13433059', '13428431', '13889696', '14699767', '14970361']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1220927914138057
- 35 USC 102 Novelty (BERT): 0.4638628172983379
- Combined Prediction Score: 0.1562697940022589
- Mean Citation Score: 190.523008
- Max Citation Score: 201.4833
- Similarity Product: 171.97089809027912

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

Dataset: test