PATENT CLAIM ANALYSIS

Application Number: 15981660
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "044000"]

Abstract:
A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.

Claim (Index 21):
A method, comprising\n sending, by a sending entity device, an identity alias of a sending entity to a participant computer via an initiation channel, wherein the participant computer sends an alias verification request including the identity alias and an initiation channel identifier of the initiation channel to a processing server, the identity alias registered with the processing server and associated with one or more payment nicknames, each of the one or more payment nicknames associated with a corresponding account, wherein the processing server queries a database using the identity alias and the initiation channel identifier to retrieve the one or more payment nicknames and metadata indicating one or more authentication channels for each of the one or more payment nicknames; receiving, by the sending entity device, the one or more payment nicknames and the metadata indicating the one or more authentication channels for each of the one or more payment nicknames via the initiation channel, wherein the processing server sends an alias verification request to the participant computer including the one or more payment nicknames and the metadata; obtaining, by the sending entity device, a first selection of a selected payment nickname of the one or more payment nicknames and a second selection of a selected authentication channel of the one or more authentication channels for the selected payment nickname; sending, by the sending entity device, the selected payment nickname and the selected authentication channel to the participant computer via the initiation channel, wherein the participant computer sends the selected payment nickname and the selected authentication channel to the processing server, wherein the processing server queries the database using the selected payment nickname to retrieve the corresponding account associated with the selected payment nickname, wherein the processing server sends the selected authentication channel and the corresponding account associated with the selected payment nickname to an issuer computer; receiving, by the sending entity device, an authentication data request message from the issuer computer via the selected authentication channel, the authentication request message including the selected payment nickname and requesting authentication data; sending, by the sending entity device, the authentication data to the issuer computer via the selected authentication channel, wherein the issuer computer determines that the authentication data is associated with the selected payment nickname to authenticate the sending entity, wherein the participant computer receives an indication that the issuer computer authenticated the sending entity and initiates a payment transaction using the corresponding account associated with the selected payment nickname, and wherein the issuer computer authorizes the payment transaction; and receiving, by the sending entity device, confirmation of authentication from the participant computer via the initiation channel.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 93.0
- Lexical Diversity: 1.60417
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13009162', '13860402', '13718538', '12826157', '12104186']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1213117970676163
- 35 USC 102 Novelty (BERT): 0.5252308276160759
- Combined Prediction Score: 0.1617037001224622
- Mean Citation Score: 272.230834
- Max Citation Score: 357.31836
- Similarity Product: 295.7843387721992

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