PATENT CLAIM ANALYSIS

Application Number: 16409609
Application Type: Utility
Filing Date: 2019-05
Publication Date: 2019-10
Patent Classification: ["235", "380000"]

Abstract:
An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.

Claim (Index 16):
A transaction system for processing transactions comprising:\n a self-contained system including an electronic verification system; and a central processing system at a transaction location of an individual, the central processing system comprises:\n one or more information stores of account information of one or more users authorized to use the transaction system; \n one or more information stores of biometric information of one or more users authorized to use the transaction system; \n one or more information stores of token information previously provided by issuing entities, the token information representative of a transaction instrument issued to the user by an issuing entity authorized to utilize the transaction system; and \n a processing system configured to:\n communicate with the one or more information stores; \n utilize at least one of: radio frequency, the internet, a broadband connection, a dial-up connection, a direct communications link, a satellite link, or fiber optic cable to transmit information to and from the self-contained system to a transaction validating entity; \n send and receive token information; and \n send and receive information from the electronic verification system, wherein the electronic verification system comprises a biometric data reader configured to obtain biometric data from an individual, and is further configured to: \n receive the obtained biometric data; \n generate a first comparison result by comparing the obtained biometric data with biometric data associated with a biometric information stored in the one or more information stores of users; and \n transmit to the central processing system information representing the first comparison result; \n \n wherein the central processing system is further configured to:\n transmit the account information verified by the first comparison result information and the token information representative of the transaction instrument being processed to the transaction validating entity, \n receive a second comparison result from the transaction validating entity to accept or deny the transaction; and \n transmit a decision by a display.

Metadata:
- Claim Count in Document: 47.0
- Percentile: 100.0
- Lexical Diversity: 1.70588
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15833406', '15377412', '12497512', '10994934', '12050772']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6974787749195847
- 35 USC 102 Novelty (BERT): 0.5956296821605823
- Combined Prediction Score: 0.6872938656436844
- Mean Citation Score: 410.336786
- Max Citation Score: 439.15875
- Similarity Product: 408.532579023689

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