PATENT CLAIM ANALYSIS

Application Number: 16014542
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2019-12
Patent Classification: ["235", "380000"]

Abstract:
A system for authenticating a user with a mobile device comprising a memory storing instructions, and a processor in communication with a network. The processor may be configured to execute the stored instructions to receive, from a mobile device, an authentication request; obtain, from a database, a permanent identifier associated with a transaction card; generate a temporary identifier associated with the transaction card; generate an expected value by encrypting the permanent identifier and the temporary identifier; verify the expected value against an encrypted value received from the mobile device; and transmit an authorization command to the mobile device.

Claim (Index 9):
A transaction card associated with a financial account and for generating an encrypted value as part of an authentication request, the card comprising:\n a radio frequency transmitter; a near field communication tag coupled to the radio frequency transmitter; and a clock coupled to the near field communication tag and powered by a power source, wherein:\n the clock is configured to send a time value to the near field communication tag responsive to a wireless read signal received by the near field communication tag from an external radio frequency reader device; \n the near field communication tag is configured to store a permanent identifier and the time value; and \n the near field communication tag is configured, in response to the received read signal, to:\n generate an encrypted value based on the permanent identifier and the time value; and \n provide the encrypted value to the radio frequency transmitter for transmission to the external radio frequency reader device.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 94.0
- Lexical Diversity: 2.03704
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15098730', '11160548', '15392211', '15661493', '14175630']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6280468448872953
- 35 USC 102 Novelty (BERT): 0.4454473933217154
- Combined Prediction Score: 0.6097868997307373
- Mean Citation Score: 154.322288
- Max Citation Score: 156.51693999999995
- Similarity Product: 124.5307170407927

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

Dataset: test