PATENT CLAIM ANALYSIS

Application Number: 15882140
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-06
Patent Classification: ["235", "380000"]

Abstract:
This invention is a comprehensive “Dynamic Security Code” (“DSC”) System (“DSC System”) that can change the security code of a prepaid, debit, or credit card (“Payment Card”). In an effort to thwart Card-Not-Present (“CNP”) fraud, the DSC System provides dynamic security code values (“DSC Values”) that have a limited use. The DSC Values provided by this DSC System can be calculated by various methodologies and can be used within existing standard payment card infrastructures. The DSC System can also be used with other form factors and in other environments not related to payments such as balance inquiries. The DSC Values can be calculated by a DSC Generator Server or on the card itself.

Claim (Index 1):
A method for generating new data for a card, the card having a display and no internal electrical battery power source, comprising:\n (a) during each transaction when and while the card is interfaced with an external electrical power source associated with a delivery device, performing at least the following:\n (1) transmitting a request for transaction authorization approval from the card to the delivery device connected to a network; \n (2) transmitting the request for transaction authorization approval from the delivery device to the network; \n (3) validating the request for transaction authorization approval by the network; \n (4) generating the new data at a generator server and inserting the new data into a transaction script; \n (5) transmitting the transaction script from the network to the delivery device; \n (6) transmitting the transaction script from the delivery device to the card; and \n (7) retrieving the new data from the script in the card; and \n (8) displaying the new data on the display of the card for use at a later time when the card is no longer interfaced with the external electrical power source for verifying a subsequent transaction or for an informational purpose.

Metadata:
- Claim Count in Document: 65.0
- Percentile: 86.0
- Lexical Diversity: 1.83333
- Patent Class: 235.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15810704', '15242939', '14681165', '13636418', '14980718']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6054372517639511
- 35 USC 102 Novelty (BERT): 0.5398057558072089
- Combined Prediction Score: 0.598874102168277
- Mean Citation Score: 308.179094
- Max Citation Score: 435.50626
- Similarity Product: 289.33145351994284

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