PATENT CLAIM ANALYSIS

Application Number: 16214553
Application Type: Utility
Filing Date: 2018-12
Publication Date: 2019-04
Patent Classification: ["726", "007000"]

Abstract:
When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.

Claim (Index 21):
A method comprising:\n receiving, by a server computer, device information and a resource provider identifier from a portable communication device of a user, wherein the resource provider identifier was received by the portable communication device from a base station at a resource provider location identified by the resource provider identifier; determining a credential or token from the received resource provider identifier; storing the received resource provider identifier, the credential or the token, and an additional resource provider identifier associated with the base station together in a database; receiving, by the server computer and from an access device in a transaction, an authorization request message comprising the credential or the token, and the additional resource provider identifier; and analyzing, by the server computer, the authorization request message to determine if the user of the portable communication device is also conducting the transaction at the access device, by determining the resource provider identifier from the credential or token in the authorization request message, and determining if the resource provider identifier is associated with the additional resource provider identifier in the authorization request message.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 2.15254
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15072636', '15632223', '15222767', '15649923', '14526306']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.263683995749344
- 35 USC 102 Novelty (BERT): 0.5132483968850784
- Combined Prediction Score: 0.2886404358629174
- Mean Citation Score: 224.523958
- Max Citation Score: 317.17035
- Similarity Product: 290.7105127032816

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