PATENT CLAIM ANALYSIS

Application Number: 15904156
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-07
Patent Classification: ["705", "035000"]

Abstract:
A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value.

Claim (Index 33):
A service provider computer comprising:\n a processor; and a memory including instructions that, when executed with the processor, cause the service provider computer to, at least: receive, from a portable device, transaction data associated with a transaction conducted using the portable device and a first verification value, the first verification value generated based upon a first version of a dynamic data element stored on the portable device; generate a second verification value based upon a second version of the dynamic data element and the transaction data; determine that the second verification value does not match the first verification value; generate at least one third version of the dynamic data element within a predetermined range of the second version of the dynamic data element; generate at least one third verification value based upon the third version of the dynamic data element and the transaction data; compare the at least one third verification value to the first verification value to determine if the at least one third verification value matches the first verification value; and generate an authorization response for the transaction based on the comparison between the at least one third verification value and the first verification value.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 88.0
- Lexical Diversity: 2.25
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13919900', '11940074', '11764376', '12776949', '13763570']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1424928013246763
- 35 USC 102 Novelty (BERT): 0.5336521865748864
- Combined Prediction Score: 0.1816087398496973
- Mean Citation Score: 321.067848
- Max Citation Score: 386.99188
- Similarity Product: 297.78672912658453

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

Dataset: test