PATENT CLAIM ANALYSIS

Application Number: 16237038
Application Type: Utility
Filing Date: 2018-12
Publication Date: 2019-09
Patent Classification: ["705", "044000"]

Abstract:
A method for payment authorization includes receiving, from a payer device registered with a payer identification merchant identification and transaction information transmitted to the payer device from a merchant device registered with the merchant identification and the payer identification. The method further includes deriving a transaction request from the payer identification and the transaction information; transmitting the transaction request to an acquirer system, receiving an authorization from the acquirer system for a transaction referred to by the transaction information and transmitting transaction approval codes for the transaction to the merchant device based upon the authorization.

Claim (Index 21):
A payer-controlled data theft prevention method for use during payment processing, comprising:\n with a camera of a payer device, capturing merchant identification, kiosk identification identifying a merchant kiosk, a security key, a transaction amount, date and time as packaged into a QR code by the merchant kiosk; when the security key packaged into the QR code matches a base form of a general code, from the payer device, sending the QR code and a payer identification associated with the payer device to an authorization server and not to the merchant kiosk; receiving the QR code and payer identification from the payer device with the authorization server without receiving anything sent by the merchant kiosk; validating the merchant identification, the kiosk identification and the payer identification of the QR code with the authorization server when the merchant identification is registered with the kiosk identification in an authorization database and the payer identification is registered with a payer token in the authorization database; from the validated merchant identification, the payer token with which the payer identification is registered and the transaction information, deriving a transaction request with the authorization server; and for a transaction referred to by the transaction information, receiving with the authorization server from an acquirer system, an authorization report based upon the transaction request.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 2.63158
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['12016179', '13208733', '12748119', '13347495', '12416727']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1244183340072602
- 35 USC 102 Novelty (BERT): 0.502924766747517
- Combined Prediction Score: 0.1622689772812859
- Mean Citation Score: 254.580678
- Max Citation Score: 287.0562700000001
- Similarity Product: 220.0089877096869

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

Dataset: test