PATENT CLAIM ANALYSIS

Application Number: 16039670
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2018-11
Patent Classification: ["235", "380000"]

Abstract:
A payment system that uses replacement account identifiers is disclosed. An encrypted primary account number (PAN) may be received by a secure computer from a data entry device. The encrypted PAN may be decrypted by the secure computer and the secure computer may transmit a zero, nominal or no dollar authorization request to an issuer. Using the zero, nominal or no dollar authorization request, the issuer may verify the account. If the account is verified, then a replacement account identifier can be issued at a later time. The replacement account identifier may be used instead of the actual PAN to conduct payment transactions.

Claim (Index 31):
The management computer of  claim 25 , wherein the second transaction is a recurring payment transaction.

Metadata:
- Claim Count in Document: 35.0
- Percentile: 95.0
- Lexical Diversity: 1.85484
- Patent Class: 235.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['14600523', '14455574', '15388739', '14340464', '13460293']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6495625461248349
- 35 USC 102 Novelty (BERT): 0.5327954863083155
- Combined Prediction Score: 0.637885840143183
- Mean Citation Score: 283.8198920000001
- Max Citation Score: 379.86407
- Similarity Product: 238.1883923899007

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