PATENT CLAIM ANALYSIS

Application Number: 16126446
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-03
Patent Classification: ["705", "044000"]

Abstract:
A system and method for mitigating effects of identity theft in transactions that works in real time to identify instances of identity theft. The system may include an authentication module that processes one or more authentication data elements tendered in connection with a transaction request. A confidence module determines a confidence level for the requested transaction based on the available authentication data. At least a portion of the transaction is processed based on the confidence level assigned to the transaction.

Claim (Index 1):
A computerized identity theft mitigation system, for use by a user of a transaction execution system to initiate a transaction over a network platform, the system comprising:\n a computer having a user interface; and a program product comprising machine-readable program code for causing, when executed, the computer to perform the following process steps: comprising:\n receiving one or more user authentication data elements from the user initiating a transaction request via an authentication module; \n determining a confidence level for the transaction request based on the one or more user authentication data elements; \n authorizing at least a portion of the requested transaction based on the confidence level of the transaction.

Metadata:
- Claim Count in Document: 15.0
- Percentile: 97.0
- Lexical Diversity: 1.61538
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15980818', '14276753', '11692656', '11241847', '12916234']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1047899773385815
- 35 USC 102 Novelty (BERT): 0.4630155609448627
- Combined Prediction Score: 0.1406125356992096
- Mean Citation Score: 162.04086
- Max Citation Score: 169.97816
- Similarity Product: 134.59920707021715

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

Dataset: test