PATENT CLAIM ANALYSIS

Application Number: 15960331
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2018-08
Patent Classification: ["726", "003000"]

Abstract:
A mobile communications device includes a plurality of first input devices capable of passively collecting input data, a second input device(s) capable of collecting response data based upon a challenge, and a processor capable of determining a level of assurance (LOA) that possession of the mobile communications device has not changed based upon a statistical behavioral model and the passively received input data, and comparing the LOA with a security threshold. When the LOA is above the security threshold, the processor may be capable of performing a given mobile device operation without requiring response data from the second input device(s). When the LOA falls below the security threshold, the processor may be capable of generating the challenge, performing the given mobile device operation responsive to valid response data, and adding recent input data to the statistical behavioral model responsive to receipt of the valid response data.

Claim (Index 15):
A non-transitory computer-readable medium for a mobile communications device including a processor, at least one first input that passively collects input data, and at least one second hardware input that collects response data based upon a challenge, the computer-readable medium storing program instructions that when executed by the processor cause the processor to determine that a user is authorized to instruct the mobile communications device to perform a mobile device operation by:\n generating a statistical behavioral model based upon the passively collected input data for the user; determining a level of assurance (LOA) based upon the statistical behavioral model and the passively collected input data from the at least one first input; comparing the LOA with a threshold and based on the comparison:\n determining that the LOA meets or exceeds the threshold, and as a result of the determining, enabling the mobile device operation without requiring response data from the at least one second input; and \n otherwise, determining that the LOA does not meet or exceed the threshold and, as a result of the determining, generating the challenge and enabling the mobile device operation responsive to valid response data from the at least one second input device; and \n generating an authentication token based upon the LOA being above the threshold, the authentication token authorizing a transaction terminal to cooperate with the processor to perform the mobile device operation.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 91.0
- Lexical Diversity: 2.52308
- Patent Class: 726.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15362430', '14887315', '13838587', '14855532', '13801784']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2512509415945917
- 35 USC 102 Novelty (BERT): 0.5039773577422036
- Combined Prediction Score: 0.2765235832093529
- Mean Citation Score: 220.170356
- Max Citation Score: 285.40845
- Similarity Product: 259.06710496298075

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