PATENT CLAIM ANALYSIS

Application Number: 16059283
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2018-12
Patent Classification: ["705", "038000"]

Abstract:
Certain embodiments of the disclosed technology include systems and methods for increasing efficiency in the detection of identity-based fraud indicators. A method is provided that includes: receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining a validity indication of the entity supplied information; creating disambiguated entity records; determining relationships among the disambiguated records; scoring, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information; determining one or more indicators of fraud based on the scoring; and outputting, for display, one or more indicators of fraud.

Claim (Index 14):
A system comprising:\n at least one memory for storing data and computer-executable instructions; and at least one processor configured to access the at least one memory and further configured to execute the computer-executable instructions to:\n receive, from one or more sources, one or more records related to a dependent; \n query one or more public or private databases with at least a portion of the dependent's personally identifiable information (PII) from the received dependent-related records; \n receive a plurality of independent information in response to the querying; \n determine, based at least in part on a comparison of the PII with at least a portion of the plurality of independent information, a first validity indication of the PII; \n create disambiguated entity records responsive to the first validity indication by one or more of:\n perform data cleansing on one or more of the PII and the plurality of independent information to eliminate one or more name variations; and \n add metadata to one or more of the PII and the plurality of independent information; \n \n determine relationships among the disambiguated entity records by one or more of:\n create a core join data structure with at least a portion of all available disambiguated entity records; \n split the core join data structure into persisted parts, wherein the persisted parts are configured for updating a shared structure between versions in the memory to reduce disk utilization; and \n cluster one or more of the persisted parts and the disambiguated entity records; \n \n score, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the PII; \n determine one or more indicators of fraud based on the scoring of the at least one parameter; and \n output, for display, one or more indicators of dependent identity fraud.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 96.0
- Lexical Diversity: 2.08108
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14949140', '14945018', '14979736', '13541157', '15248244']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1033131180565224
- 35 USC 102 Novelty (BERT): 0.5403888872356691
- Combined Prediction Score: 0.147020694974437
- Mean Citation Score: 281.04575600000004
- Max Citation Score: 381.05002
- Similarity Product: 283.69738817916635

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

Dataset: test