PATENT CLAIM ANALYSIS

Application Number: 16039670
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["235", "380000"]

Abstract:
A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.

Claim (Index 32):
A system comprising:\n a local workstation; and a management computer in communication with the local workstation, the management computer comprising a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising receiving an authorization identifier from the workstation, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives an authorization request message comprising an original account identifier and a first transaction amount, wherein the authorization identifier is provided in a first authorization response message; generating a replacement account identifier request message; transmitting the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier; receiving in response to transmitting the replacement account identifier request message including the authorization identifier, a replacement account identifier response message comprising the replacement account identifier; generating, by the management computer, a second authorization request message comprising a second transaction amount and the replacement account identifier to the payment processing computer to authorize a second transaction; and receiving, by the management computer, a second authorization response message authorizing or declining the second transaction, the second authorization response message including the replacement account identifier.

Metadata:
- Claim Count in Document: 35.0
- Percentile: 95.0
- Lexical Diversity: 1.85484
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14600523', '14455574', '15388739', '14340464', '13460293']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6189867089908216
- 35 USC 102 Novelty (BERT): 0.5321952664031736
- Combined Prediction Score: 0.6103075647320568
- Mean Citation Score: 283.8198920000001
- Max Citation Score: 379.86407
- Similarity Product: 342.41276700562

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