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 30):
The management computer of  claim 26 , wherein the payment processor computer sends the first authorization request message with the original account identifier to the authorization computer, receives the first authorization response message from the authorization computer comprising the original account identifier, and transmits the first authorization response message to the management computer.

Metadata:
- Claim Count in Document: 35.0
- Percentile: 95.0
- Lexical Diversity: 1.85484
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14600523', '14455574', '15388739', '14340464', '13460293']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6198759876943721
- 35 USC 102 Novelty (BERT): 0.5317048273016046
- Combined Prediction Score: 0.6110588716550954
- Mean Citation Score: 283.8198920000001
- Max Citation Score: 379.86407
- Similarity Product: 312.13321075232625

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