PATENT CLAIM ANALYSIS

Application Number: 16419148
Application Type: Utility
Filing Date: 2019-05
Publication Date: 2019-09
Patent Classification: ["235", "379000"]

Abstract:
A registered provider device encrypts provider input related to a transaction between the provider device and one of many registered user devices to create an encrypted one-time-use provider code (the encryption is performed using an encryption key produced, in part, using a uniquely sequenced number generated by a sequencer maintained by the provider device). Similarly, the user device encrypts user input to create an encrypted one-time-use user code using an encryption key produced, in part, using a uniquely sequenced number generated by a user sequencer maintained by the user device. The provider and user devices independently transmit their different encrypted one-time-use codes to an intermediate entity, which decrypts the encrypted codes. This decryption is performed using one-time-use encryption keys produced using sequencers maintained by the intermediate entity, and this decryption generates an authorization request. The intermediate entity obtains an authorization decision regarding the authorization request from the authorization entity.

Claim (Index 9):
The system according to  claim 6 , said intermediate entity securely maintains personal financial information of a user operating said first device, and said first app prevents said first device from maintaining said personal financial information.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 100.0
- Lexical Diversity: 2.50769
- Patent Class: 235.0
- Transitional Phrase Type: none
- Component Type: 0
- Foreign Priority: False
- Related Applications: ['15381465', '15045936', '14539190', '14930023', '13564815']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6361106939126542
- 35 USC 102 Novelty (BERT): 0.5890082701563436
- Combined Prediction Score: 0.6314004515370232
- Mean Citation Score: 415.01524
- Max Citation Score: 524.91833
- Similarity Product: 460.0235283245492

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