PATENT CLAIM ANALYSIS

Application Number: 16235172
Application Type: Utility
Filing Date: 2018-12
Publication Date: 2020-01
Patent Classification: ["340", "005820"]

Abstract:
A transaction terminal silent alarm system having processor(s) and memory storing instructions that, when executed by the processor(s), cause the system to perform a method is disclosed. Upon receiving, from a user device, an authentication request to complete a transaction at a transaction terminal, the system may determine whether a fingerprint scan matches a stored fingerprint. Responsive to the fingerprint scan matching a stored normal fingerprint and absent receiving another fingerprint that matches a stored cancellation fingerprint, the system may direct the transaction terminal to complete the transaction. Responsive to the fingerprint scan matching a stored under-duress fingerprint, the system may direct the transaction terminal to send a silent alert to law enforcement and direct the transaction terminal to delay the transaction. Responsive to the fingerprint scan not matching any stored fingerprints, the system may direct the user device to display a fingerprint rescan message.

Claim (Index 1):
A transaction terminal silent alert system comprising:\n one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:\n receive, from a user device, an authentication request to complete a transaction at a transaction terminal, the authentication request comprising a fingerprint scan obtained via the user device and financial account data for a financial account associated with the user device; \n determine whether the fingerprint scan matches, beyond a predetermined confidence threshold, a stored under-duress fingerprint scan for triggering an under-duress transaction signal or a stored cancellation fingerprint scan for cancelling the under-duress transaction signal; \n responsive to determining that the fingerprint scan matches the stored under-duress fingerprint scan:\n direct the transaction terminal to delay the transaction a predetermined wait time and send an alert notification to law enforcement responsive to not receiving a subsequent fingerprint scan from the user device matching the stored cancellation fingerprint scan beyond the predetermined confidence threshold within the predetermined wait time.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 2.52308
- Patent Class: 340.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['16020347', '12410688', '16029792', '10371081', '10169501']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.6188949961013521
- 35 USC 102 Novelty (BERT): 0.604070958938071
- Combined Prediction Score: 0.617412592385024
- Mean Citation Score: 251.807864
- Max Citation Score: 493.03445
- Similarity Product: 472.735163248533

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