PATENT CLAIM ANALYSIS

Application Number: 16103405
Application Type: Utility
Filing Date: 2018-08
Publication Date: 2019-01
Patent Classification: ["726", "005000"]

Abstract:
Systems and methods are provided for enabling online entities to determine whether a user is truly the person who he says using a “two-factor” authentication technique and authenticating customer's identity utilizing a trusted authenticator.

Claim (Index 1):
A system for enhancing online authentication of a user attempting to access an online system, the authentication system comprising one or more computing devices configured to perform operations comprising:\n receiving, via a computer network, after the user attempts to access the online system, a request for a user-authentication code for the user; providing, via the computer network, the user-authentication code in response to the request for the user-authentication code, wherein:\n the user-authentication code is information generated by the authentication system for authenticating the user, \n the user-authentication code is configured to be valid for a predetermined time, \n the user-authentication code is configured to become invalid after the predetermined time, and \n the user-authentication code is configured to become invalid after a first use to authenticate the user; \n receiving, via the computer network, a user-authentication request for authenticating the user from the online system, the user-authentication request comprising the user-authentication code and user-identification information of the user; authenticating the user based on at least the user-authentication code and the user-identification information included in the authentication request; and providing, via the computer network, a result of the authenticating to the online system in response to the authentication request.

Metadata:
- Claim Count in Document: 66.0
- Percentile: 96.0
- Lexical Diversity: 1.08571
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15614164', '15833909', '13633680', '11333400', '12609659']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.3606755123148217
- 35 USC 102 Novelty (BERT): 0.5745907131769674
- Combined Prediction Score: 0.3820670324010363
- Mean Citation Score: 367.801702
- Max Citation Score: 445.3419
- Similarity Product: 407.0825409137965

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

Dataset: test