PATENT CLAIM ANALYSIS

Application Number: 15975394
Application Type: Utility
Filing Date: 2018-05
Publication Date: 2019-11
Patent Classification: ["705", "044000"]

Abstract:
A device may receive, from a server device, a real-time notification indicating that a field of a user account is being modified. The field may include personal information of a user associated with the user account and/or information identifying authorized users of the user account. The device may receive, from a user device, a request associated with a high-risk transaction involving the user account. The device may determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user. The device may selectively identify an authentication procedure, of a group of authentication procedures, based on the risk score. The device may provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.

Claim (Index 1):
A non-transitory computer-readable medium storing instructions, the instructions comprising:\n one or more instructions that, when executed by one or more processors, cause the one or more processors to:\n receive, from a server device, a real-time notification indicating that one or more fields of a user account are being modified,\n wherein the one or more fields that are being modified include:\n data describing personal information of a user associated with the user account, or \n data identifying one or more authorized users of the user account; \n \n \n receive, from a user device, a request associated with a high-risk transaction involving the user account; \n request, from a data source, additional information associated with the user; \n determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user,\n wherein the risk score is determined using a data model that has been trained on historical account data associated with a group of user accounts, and \n wherein the one or more instructions, that cause the one or more processors to determine the risk score, cause the one or more processors to:\n provide, as input to the data model, information associated with the real-time notification and information associated with the request associated with the high-risk transaction to cause the data model to output the risk score, \n \u2003wherein the information associated with the real-time notification has a first time stamp, \n \u2003wherein the information associated with the request associated with the high-risk transaction has a second time stamp, and \n \u2003wherein a time period between the first time stamp and the second time stamp is a factor that the data model considers in determining the risk score; \n \n \n increase or decrease the risk score based on the additional information associated with the user; \n selectively identify an authentication procedure, of a group of authentication procedures, after increasing or decreasing the risk score,\n wherein the group of authentication procedures are associated with ranges of risk scores, and \n wherein the authentication procedure is identified based on the risk score falling within a particular range of risk scores of the ranges of risk scores; and \n \n provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 93.0
- Lexical Diversity: 2.4386
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['13731935', '14188009', '14092252', '14672419', '14640701']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1060329944584094
- 35 USC 102 Novelty (BERT): 0.4881035818477413
- Combined Prediction Score: 0.1442400531973426
- Mean Citation Score: 182.250022
- Max Citation Score: 188.23708
- Similarity Product: 123.79418183191775

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

Dataset: test