PATENT CLAIM ANALYSIS

Application Number: 15944693
Application Type: Utility
Filing Date: 2018-04
Publication Date: 2019-09
Patent Classification: ["705", "044000"]

Abstract:
Methods, systems, and computer program products are provided for using pre-purchase scoring to efficiently detect fraud on an e-commerce platform. In particular, high dimension pre-purchase information may be consolidated into one or more scores to be carried over and applied to a real time machine learning model at the purchase stage. More specifically, a large amount of information is available, for example, when a user initially connects to the e-commerce platform, creates an account thereon, subsequently logs in using that account, or adds a payment instrument to their account. Such information is applied to a machine learning model that consolidates the information into a score to be carried over, and used further at the purchase stage.

Claim (Index 4):
The fraud detection system of  claim 3  wherein the fraud risk score generation component is configured to generate the second fraud score based also on at least one additional usage feature computed by the fraud risk score generation component after the second user action.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 91.0
- Lexical Diversity: 1.71053
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['13304191', '14640701', '14479718', '15231425', '09782681']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1268188880295345
- 35 USC 102 Novelty (BERT): 0.5049305969259025
- Combined Prediction Score: 0.1646300589191713
- Mean Citation Score: 225.372926
- Max Citation Score: 242.5779
- Similarity Product: 154.11697901734112

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