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 18):
A method comprising:\n receiving, by a management computer, an authorization identifier, wherein the authorization identifier is generated by an authorization computer after the authorization computer receives a first 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, by the management computer, a replacement account identifier request message; transmitting, by the management computer, the replacement account identifier request message to a payment processing computer, the replacement account identifier request message includes the authorization identifier; receiving, by the management computer, 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): 0.6182174946357606
- 35 USC 102 Novelty (BERT): 0.5326191683922935
- Combined Prediction Score: 0.6096576620114139
- Mean Citation Score: 283.8198920000001
- Max Citation Score: 379.86407
- Similarity Product: 368.5848765405327

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