PATENT CLAIM ANALYSIS

Application Number: 15887464
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "038000"]

Abstract:
An intermediary service provider is established to automatically request a corresponding security freeze at each of many redundant credit bureaus upon the enrollment of a particular consumer with the service provider. Each request of a security freeze to each credit bureau prompts that respective credit bureau to generate a unique identification code. Only the return of the correct respective unique identification code will enable the respective security freeze to be released. Accordingly, with the automated support of the service provider, the particular consumer seizes control of their security freeze credentials from each credit bureau before an identity thief can wreck havoc.

Claim (Index 20):
A method for preempting identity theft with the coordinated freezing of redundant consumer credit files of a particular consumer concurrently being maintained by a plurality of main credit bureaus, comprising:\n enrolling a particular consumer with an intermediary single service provider, wherein the service provider gathers personal information from the particular consumer that establishes an account for the particular consumer, that can authenticate the identity of the particular consumer, and that includes other predetermined information specific for the single service provider; interacting between the particular consumer and the intermediary single service provider with at least one communication channel that depends on telephones, Internet, mail, or personal visits; placing a security freeze on an individual credit bureau file preexisting redundantly at two or more main credit bureaus on the request of the particular consumer interacting with the intermediary single service provider, and then the intermediary single service provider handling interactions with any of the main credit bureaus to place the security freeze, wherein such handling by the intermediary single service provider includes requests for: a security freeze, a temporary and permanent removal of a security freeze, a release code, and any new requests for security freezes; directly interacting between the intermediary single service provider and any of the main credit bureaus to request a security freeze based on information necessary to distinguish one consumer from another that was gathered as personal information in the step of enrolling; approving of a requested security freeze by any of the main credit bureaus, and then issuing an identification code related to the affected consumer, wherein such identification code is later required to successfully request the placement or removal of any security freezes related to the affected consumer; and storing respective identification codes independently issued by any of the main credit bureaus as credentials with the intermediary single service provider during the step of directly interacting, and securing these credentials with a single security code for the one affected consumer, wherein such single security code is required to subsequently request of the intermediary single service provider any placement or removal of security freezes for the affected consumer; wherein, a particular consumer gains control of the respective security freeze credentials from each corresponding main credit bureau before an identity thief.

Metadata:
- Claim Count in Document: 8.0
- Percentile: 88.0
- Lexical Diversity: 1.81356
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11304835', '11304249', '15015407', '12541835', '12749605']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1412175923324492
- 35 USC 102 Novelty (BERT): 0.4981176898980667
- Combined Prediction Score: 0.1769076020890109
- Mean Citation Score: 272.69471
- Max Citation Score: 282.80103
- Similarity Product: 218.12801300843776

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

Dataset: test