PATENT CLAIM ANALYSIS

Application Number: 16357593
Application Type: Utility
Filing Date: 2019-03
Publication Date: 2019-07
Patent Classification: ["726", "023000"]

Abstract:
Systems and methods include: receiving digital event type data that define attributes of a digital event type; receiving digital fraud policy that defines a plurality of digital processing protocols; transmitting via a network the digital event data and the digital fraud policy to a remote digital fraud mitigation platform; using the digital event data to configure a first computing node comprising an events data application program interface or an events data computing server to detect digital events that classify as the digital event type; using digital fraud policy to configure a second computing node comprising a decisioning API or a decisioning computing server to automatically evaluate and automatically select one digital event processing outcome of a plurality of digital event processing outcomes that indicates a disposal of the digital events classified as the digital event type; and implementing a digital threat mitigation application process flow that evaluates digital event data.

Claim (Index 3):
A system configured to mitigate digital fraud and digital abuse, the system comprising:\n an application programming interface that interactively communicates with one or more endpoints of a digital threat mitigation service to control and/or operate one or more functions of an ensemble of machine learning models that are used to generate digital threat scores based on digital event data, wherein the digital event data relate to online activities of one or more users involved with one or more digital services provided by an online service provider; one or more hardware computer servers implementing the digital threat mitigation service to:\n identify a digital fraud policy that defines a plurality of digital event processing protocols to enable automated decisioning of a disposal decision for the digital event data associated with the online service provider, and wherein the digital threat mitigation service uses the digital fraud policy to:\n implement an operation of a first computing node that collects digital event data of a predetermined type associated with the online service provider; and \n implement an operation of a second computing node that comprises a plurality of differentiated and disparate evaluation stages by using the digital fraud policy to set different predetermined evaluation criteria at each of the plurality of differentiated and disparate evaluation stages of the second computing node for processing the digital event data and an associated digital threat score generated by the ensemble of machine learning models based on features of the digital event data, wherein the setting the predetermined evaluation criteria includes:\n (i) setting a first digital threat score requirement at a first stage of the second computing node and defining first routing instructions to execute based on whether or not the first digital threat score requirement is met by the digital event data and the associated digital threat score, \n (ii) setting a second digital threat score requirement at a second stage of the second computing node and defining second routing instructions to be executed depending on whether or not the second digital threat score requirement is met by the digital event data and the associated digital threat score, \n (iii) setting a third digital threat score requirement at a third stage of the second computing node and defining third routing instructions depending on whether or not the third digital threat score requirement is met by the digital event data and the associated digital threat score, \n wherein: \n \u2003each of the first, second, and third routing instructions defined according to the digital fraud policy routes the digital event data to a different one of the plurality of disposal computing nodes, \n \u2003each different one of a plurality of disposal computing nodes enables one of automatically approving, automatically holding for review, and automatically blocking an online activity or an online transaction associated with the digital event data.

Metadata:
- Claim Count in Document: 27.0
- Percentile: 99.0
- Lexical Diversity: 2.45312
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15922746', '15653354', '15957761', '15653373', '16138311']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.3034790269656595
- 35 USC 102 Novelty (BERT): 0.5455568789479424
- Combined Prediction Score: 0.3276868121638878
- Mean Citation Score: 316.2744160000001
- Max Citation Score: 399.15424
- Similarity Product: 394.85798055747983

Labels:
- Claim Label 101: 1
- Claim Label 102: 1
- Claim Label 103: 0
- Claim Label 112: 1
- Combined Label: 1
- Label 101 Adjusted: 0

Dataset: test