PATENT CLAIM ANALYSIS

Application Number: 15975394
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2019-11
Patent Classification: ["705", "044000"]

Abstract:
A device may receive, from a server device, a real-time notification indicating that a field of a user account is being modified. The field may include personal information of a user associated with the user account and/or information identifying authorized users of the user account. The device may receive, from a user device, a request associated with a high-risk transaction involving the user account. The device may determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user. The device may selectively identify an authentication procedure, of a group of authentication procedures, based on the risk score. The device may provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.

Claim (Index 7):
A device, comprising:\n one or more memories; and one or more processors, communicatively coupled to the one or more memories, to:\n receive a data model that has been trained on historical account data associated with a group of user accounts,\n wherein the historical account data includes data associated with fraudulent transactions and data associated with legitimate transactions; \n \n receive, from a server device, a real-time notification indicating that one or more fields of a user account are being modified,\n wherein the one or more fields that are being modified include at least one of:\n data describing personal information of a user associated with the user account, or \n data identifying one or more authorized users of the user account; \n \n \n receive a request associated with a high-risk transaction involving the user account; \n determine, using the data model, a risk score associated with modifications to the one or more fields,\n wherein the risk score indicates a likelihood of the one or more fields being modified as part of an unauthorized use of the user account, and \n wherein the one or more processors, when determining the risk score, are to:\n provide, as input to the data model, information associated with the real-time notification to cause the data model to output the risk score, \n \u2003wherein the information associated with the real-time notification has a first time stamp, \n \u2003wherein the information associated with the request associated with a high-risk transaction has a second time stamp, and \n \u2003wherein a time period between the first time stamp and the second time stamp is a factor that the data model considers in determining the risk score; \n \n \n request, from a data source, additional information associated with the user; \n increase or decrease the risk score based on the additional information associated with the user; \n selectively identify, after increasing or decreasing the risk score, one or more actions to perform based on the risk score,\n wherein the one or more actions include at least one of:\n a first group of one or more actions to determine whether the modifications of the one or more fields is an unauthorized action, or \n a second group of one or more actions to prevent subsequent unauthorized access to the user account; and \n \n \n perform the one or more actions that have been selectively identified.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 93.0
- Lexical Diversity: 2.4386
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13731935', '14188009', '14092252', '14672419', '14640701']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1060309973385831
- 35 USC 102 Novelty (BERT): 0.488124267580131
- Combined Prediction Score: 0.1442403243627379
- Mean Citation Score: 182.250022
- Max Citation Score: 188.23708
- Similarity Product: 123.76687282828333

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