PATENT CLAIM ANALYSIS

Application Number: 16052354
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-11
Patent Classification: ["235", "379000"]

Abstract:
A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.

Claim (Index 31):
A computer comprising:\n a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor to cause the computer device to: receiving, from a token requestor device by a computer, a transactable payment token and a non-transactable payment account identifier to conduct a transaction, the transactable payment token and the non-transactable account identifier associated with a primary account identifier; processing, by the computer, an authorization request message comprising the transactable payment token and the non-transactable payment account identifier; and transmitting, the authorization request message comprising the transactable payment token and the non-transactable payment account identifier to a processing network, wherein the processing network detokenizes the transactable payment token to obtain payment account information including the primary account identifier, and processes the transaction with the payment account information.

Metadata:
- Claim Count in Document: 56.0
- Percentile: 96.0
- Lexical Diversity: 1.38235
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15814994', '14597072', '14340464', '14455574', '14518983']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6676668748281696
- 35 USC 102 Novelty (BERT): 0.5580501579896072
- Combined Prediction Score: 0.6567052031443134
- Mean Citation Score: 408.881818
- Max Citation Score: 476.19455
- Similarity Product: 407.6049116561292

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