PATENT CLAIM ANALYSIS

Application Number: 16126446
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-03
Patent Classification: ["705", "044000"]

Abstract:
A system and method for mitigating effects of identity theft in transactions that works in real time to identify instances of identity theft. The system may include an authentication module that processes one or more authentication data elements tendered in connection with a transaction request. A confidence module determines a confidence level for the requested transaction based on the available authentication data. At least a portion of the transaction is processed based on the confidence level assigned to the transaction.

Claim (Index 6):
A non-transitory computer-readable memory adapted for use by a user of a identity theft mitigation client application to initiate a transaction over a network, the computer-readable memory used to direct a computer on the network to perform the steps of:\n receiving one or more user authentication data elements from the user initiating a transaction request via an authentication module; determining a confidence level for the transaction request based on the one or more user authentication data elements; authorizing the requested transaction based on the confidence level of the transaction.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 97.0
- Lexical Diversity: 1.61538
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15980818', '14276753', '11692656', '11241847', '12916234']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1160515147095972
- 35 USC 102 Novelty (BERT): 0.4692436654594841
- Combined Prediction Score: 0.1513707297845859
- Mean Citation Score: 162.04086
- Max Citation Score: 169.97816
- Similarity Product: 130.30975800879477

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

Dataset: test