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 15):
A system, comprising:\n a processor; and a memory having programming instructions stored thereon, which, when executed by the processor, performs an operation comprising:\n receiving, from a plurality of remote computing system systems associated with a plurality of third party merchants a first third party merchant, a plurality of transaction requests 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 a respective the first third party merchant; \n authenticating the first transaction by:\n identifying a user account associated with the extracted account number; \n determining that a decoy billing address exists for the user, the decoy billing address comprising a string of characters defined by the user that is different from a stored billing address associated with the user account; and \n determining that the received verification address matches the decoy billing address for the user; \n \n verifying the first transaction request with each respective the first third party merchant by transmitting a plurality of verification messages a first verification message to the plurality of remote computing systems first remote computing system, without revealing the stored billing address in the user account:, \n receiving, 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; \n authenticating 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 \n verifying 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): 0.1837332807816811
- 35 USC 102 Novelty (BERT): 0.4820973323302783
- Combined Prediction Score: 0.2135696859365408
- Mean Citation Score: 239.651054
- Max Citation Score: 242.37123
- Similarity Product: 183.9829653794164

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