PATENT CLAIM ANALYSIS

Application Number: 16014542
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2019-12
Patent Classification: ["235", "380000"]

Abstract:
A system for authenticating a user with a mobile device comprising a memory storing instructions, and a processor in communication with a network. The processor may be configured to execute the stored instructions to receive, from a mobile device, an authentication request; obtain, from a database, a permanent identifier associated with a transaction card; generate a temporary identifier associated with the transaction card; generate an expected value by encrypting the permanent identifier and the temporary identifier; verify the expected value against an encrypted value received from the mobile device; and transmit an authorization command to the mobile device.

Claim (Index 15):
A transaction card associated with a financial account and for generating an encrypted value as part of an authentication request, the card comprising:\n a radio frequency transmitter; a near field communication tag coupled to the radio frequency transmitter and a microprocessor coupled to the near field communication tag and powered by a power source, wherein:\n the microprocessor is configured to calculate an update value responsive to a wireless read signal received from an external radio frequency reader device; \n the near field communication tag is configured to:\n store a permanent identifier and the update value, and \n in response to the received read signal:\n generate an encrypted value based on the permanent identifier and the update value, and \n provide the encrypted value to the radio frequency transmitter for transmission to the external radio frequency reader device.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 94.0
- Lexical Diversity: 2.03704
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15098730', '11160548', '15392211', '15661493', '14175630']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6261320559883596
- 35 USC 102 Novelty (BERT): 0.4530681869690866
- Combined Prediction Score: 0.6088256690864323
- Mean Citation Score: 154.322288
- Max Citation Score: 156.51693999999995
- Similarity Product: 117.32848364079948

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