PATENT CLAIM ANALYSIS

Application Number: 16041112
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["705", "044000"]

Abstract:
A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. The processing entity may additionally receive transaction data, the transaction data reflecting the price of a purchase transaction by the customer. The processing entity may compare the received biometric data to stored biometric data associated with customers of a financial service provider and identify common biometric data. Additionally, the processing entity may correlate the common biometric data to a customer account associated with the financial service provider, compare the customer account associated with the financial service provider with the transaction data, and verify the customer account associated with the financial service provider contains adequate funds. Furthermore, the processing entity may authorize the purchase transaction.

Claim (Index 27):
The apparatus of  claim 21 , wherein\n the required client biometric data comprises a plurality of characteristics; the confidence value is a first confidence value; and the operations further comprise:\n when the confidence value does not meet the threshold value:\n comparing a second biometric characteristic with the stored user biometric data; \n generating a second confidence value based on the second comparison; and \n determining whether an aggregated confidence value meets the threshold value.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 95.0
- Lexical Diversity: 2.78182
- Patent Class: 705.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14137143', '15813452', '15829454', '15714567', '14680857']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1499376048108183
- 35 USC 102 Novelty (BERT): 0.5442487983172343
- Combined Prediction Score: 0.1893687241614599
- Mean Citation Score: 305.316932
- Max Citation Score: 397.61667
- Similarity Product: 325.68502669376136

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