PATENT CLAIM ANALYSIS

Application Number: 15909091
Application Type: Utility
Filing Date: 2018-03
Publication Date: 2019-09
Patent Classification: ["705", "044000"]

Abstract:
A user device may detect at least one external device in communication range of the device, receive at least one external device identifier from the at least one external device, generate a transaction request comprising data describing a transaction to be processed and the at least one external device identifier, and send the transaction request to a transaction service for fulfillment. The transaction service may receive the transaction request, analyze the at least one external device identifier to identify at least one security factor associated with the at least one external device identifier, adjust a security score for the transaction based on the at least one security factor, and determine whether to process the transaction based on the adjusted security score.

Claim (Index 9):
A system configured to process secure transactions, the system comprising:\n a processor; a transceiver in communication with the processor; and a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:\n receiving, by the transceiver, a transaction request from a user device, the transaction request comprising data describing a transaction to be processed and at least one external user device identifier describing at least one external user device detected by the user device in proximity to the user device; \n analyzing the at least one external user device identifier to identify at least one suspicious security factor associated with the at least one external user device identifier, the analyzing comprising determining that the presence of the at least one external user device identifier is indicative of potential fraud; \n adjusting a security score for the transaction based on the at least one security factor; and \n based on the adjusted security score, applying a fraud model test to the transaction, wherein the transaction is processed in response to passing the fraud model test or denied in response to failing the fraud model test.

Metadata:
- Claim Count in Document: 2.0
- Percentile: 90.0
- Lexical Diversity: 2.63265
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15591094', '14629062', '15676739', '15168850', '14100789']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1010620535406057
- 35 USC 102 Novelty (BERT): 0.4839519572777108
- Combined Prediction Score: 0.1393510439143162
- Mean Citation Score: 155.36495800000003
- Max Citation Score: 176.10127
- Similarity Product: 117.7095928529352

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