PATENT CLAIM ANALYSIS

Application Number: 15981660
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2018-09
Patent Classification: ["705", "044000"]

Abstract:
A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.

Claim (Index 34):
The sending entity device of  claim 33 , wherein the selected authentication channel is based on short message service (SMS) and wherein the number or address for the selected authentication channel is a phone number, wherein the code, when executed by the processor, further causes the processor to:\n receive a notification message from the participant computer via the initiation channel, the notification message indicating that an out-of-band authentication will occur; and receive an authentication notice from the issuer computer via the selected authentication channel, the authentication notice indicating that authentication is ready to begin and indicating to whom the sending entity device should respond to authenticate.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 93.0
- Lexical Diversity: 1.60417
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13009162', '13860402', '13718538', '12826157', '12104186']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1349307837133373
- 35 USC 102 Novelty (BERT): 0.5289636756766587
- Combined Prediction Score: 0.1743340729096694
- Mean Citation Score: 272.230834
- Max Citation Score: 357.31836
- Similarity Product: 250.2129162800789

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