PATENT CLAIM ANALYSIS

Application Number: 15948234
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-10
Patent Classification: ["705", "044000"]

Abstract:
A processor of a transaction server may receive an authorization request prior to the authorization request being processed by a payment authorization system. The processor may identify at least one alternative to the authorization request being processed by the payment authorization system. The processor may receive a command to process the authorization request by the payment authorization system or to apply the at least one alternative. The processor may process the authorization request according to the command.

Claim (Index 1):
A system configured to process secure transactions, the system comprising:\n a processor; a transceiver in communication with the processor; and a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:\n receiving, by the transceiver, an authorization request prior to the authorization request being processed by a payment authorization system; \n analyzing the authorization request to identify at least one alternative to the authorization request being processed by the payment authorization system; \n receiving, by the transceiver, a command to apply the at least one alternative; \n maintaining, in the memory, the authorization request as a request in stasis until the processing of the authorization request according to the command, wherein the request in stasis is recorded as being approved by a transaction service for the processing and remains modifiable in the memory; and \n processing the authorization request according to the command, the processing comprising\n performing processing to apply the at least one alternative; \n withholding transmission of the authorization request to the payment authorization system in response to receiving the command to apply the at least one alternative; \n \n during the withholding, modifying the request in stasis according to the at least one alternative; and \n storing the modified request in stasis at the payment authorization system.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 91.0
- Lexical Diversity: 2.6129
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15050963', '09878891', '11698051', '12286488', '12952811']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1158130333530671
- 35 USC 102 Novelty (BERT): 0.4858116320720736
- Combined Prediction Score: 0.1528128932249678
- Mean Citation Score: 218.28146
- Max Citation Score: 227.14249
- Similarity Product: 170.81152571618915

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