PATENT CLAIM ANALYSIS

Application Number: 15907173
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-09
Patent Classification: ["235", "380000"]

Abstract:
Systems and methods for utilizing magnetic fingerprints obtained using magnetic stripe card readers to generate digital transaction tokens in accordance with embodiments of the invention are disclosed. In one embodiment, a method for authenticating a user using a digital token includes collecting user information and card information from an identification card containing an electronically readable component using a user authentication terminal, where the user information describes identifying information about a user and the card information describes information to uniquely identify the identification card, collecting session information using the user authentication terminal, wherein the session information describes information regarding a request for an authenticated communications session, generating a digital token based on the collected user information, the collected card information, and the collected session information using the user authentication terminal, and sending the digital token to a host access processor for authorization of an authentication request.

Claim (Index 19):
The method of  claim 17 , wherein the collected cardholder information includes at least one of the group consisting of: a name of the cardholder, account information for an account associated with the cardholder, shipping address of the cardholder, and billing address of the cardholder.

Metadata:
- Claim Count in Document: 37.0
- Percentile: 88.0
- Lexical Diversity: 2.24638
- Patent Class: 235.0
- Transitional Phrase Type: closed
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13324970', '13324982', '13231819', '11935980', '12011301']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6263102674935673
- 35 USC 102 Novelty (BERT): 0.4935810993546041
- Combined Prediction Score: 0.613037350679671
- Mean Citation Score: 246.765392
- Max Citation Score: 262.91354
- Similarity Product: 193.89753222732543

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

Dataset: test