PATENT CLAIM ANALYSIS

Application Number: 16002111
Application Type: Utility
Filing Date: 2018-06
Publication Date: 2018-10
Patent Classification: ["705", "035000"]

Abstract:
A system, method and computer program product for receiving information relating to a financial account of an individual from at least one first data provider; receiving information relating to at least one of an identity theft expense reimbursement insurance policy of the individual, a public information relating to the individual, an identity theft risk score of the individual, a credit card registry of the individual, a backup data relating to the individual, a background information of the individual, and a business report relating to the individual, from at least one second data provider; and preparing a report relating to the individual's identity theft based on the information.

Claim (Index 37):
A system for detecting identity theft comprising:\n at least one financial monitoring data provider configured to provide information regarding a financial account of a user of a first computing system, the financial monitoring data provider comprising at least one of a direct deposit account (DDA) account credit report, a DDA account credit monitoring and notification, a brokerage account monitoring and notification, and a credit card transaction activity monitoring and notification; at least one credit monitoring data provider configured to provide information regarding credit information relating to the user; at least one public information data provider configured to provide public information relating to the user, the public information data provider comprising at least one of a public record report provider, a public record monitoring and notification provider, an internet monitoring or notification provider, or a business report provider; and a second computing system with a processor, the second computing system being further configured to: provide, to the first computing system, a list of data providers, the list of data providers including one or more financial monitoring data providers, credit monitoring data providers, and public information data providers; receive, from the first computing system, a selection of one of the listed financial monitoring data providers; receive, from the first computing system, a selection of one of the listed credit monitoring data providers; receive, from the first computing system, a selection of one of the listed public information data providers; receive, from the selected financial monitoring data provider, financial information relating to the user; receive, from the selected credit monitoring data provider, credit information relating to the user; receive, from the selected public information data provider, public information relating to the user; monitor at least one of the selected financial monitoring data provider, the selected credit monitoring data provider, and the selected public information data provider; and prepare a report relating to a risk of identity theft of the user, wherein the credit monitoring data provider comprises at least one of a credit report provider, a credit score provider, a credit monitoring provider, and a credit update provider.

Metadata:
- Claim Count in Document: 59.0
- Percentile: 94.0
- Lexical Diversity: 2.38
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11711836', '11304835', '11304781', '13524920', '13168736']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1165233395272032
- 35 USC 102 Novelty (BERT): 0.574582082676396
- Combined Prediction Score: 0.1623292138421225
- Mean Citation Score: 277.24165
- Max Citation Score: 456.18805
- Similarity Product: 441.0180688646733

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

Dataset: test