PATENT CLAIM ANALYSIS

Application Number: 15907173
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-09
Patent Classification: ["235", "380000"]

Abstract:
Systems and methods for utilizing magnetic fingerprints obtained using magnetic stripe card readers to generate digital transaction tokens in accordance with embodiments of the invention are disclosed. In one embodiment, a method for authenticating a user using a digital token includes collecting user information and card information from an identification card containing an electronically readable component using a user authentication terminal, where the user information describes identifying information about a user and the card information describes information to uniquely identify the identification card, collecting session information using the user authentication terminal, wherein the session information describes information regarding a request for an authenticated communications session, generating a digital token based on the collected user information, the collected card information, and the collected session information using the user authentication terminal, and sending the digital token to a host access processor for authorization of an authentication request.

Claim (Index 33):
A method for authenticating a digital token used in a payment transaction comprising:\n receiving a digital token from a payment transaction terminal; extracting information from the digital token, wherein the information includes information describing a unique intrinsic characteristic of an electronically readable component of a payment card, cardholder information, and transaction information, where:\n the cardholder information describes identifying information about a cardholder; and \n the transaction information describes information regarding the type and amount of a payment transaction; \n comparing the extracted information describing the unique intrinsic characteristic to a reference description of the unique intrinsic characteristic; authorizing the payment transaction based on at least some of the extracted information from the digital token; and returning a payment transaction result to the payment terminal, wherein:\n a positive result is returned, if the extracted information describing the unique intrinsic characteristic matches the reference information describing the unique intrinsic characteristic and the at least one other piece of information is valid; and \n a negative result is returned, if the extracted information describing the unique intrinsic characteristic fails to match the reference description of the unique intrinsic characteristic or if the at least one other piece of information is not valid.

Metadata:
- Claim Count in Document: 37.0
- Percentile: 88.0
- Lexical Diversity: 2.24638
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13324970', '13324982', '13231819', '11935980', '12011301']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.5631901375712419
- 35 USC 102 Novelty (BERT): 0.4925139361540715
- Combined Prediction Score: 0.5561225174295249
- Mean Citation Score: 246.765392
- Max Citation Score: 262.91354
- Similarity Product: 198.92701900840405

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

Dataset: test