PATENT CLAIM ANALYSIS

Application Number: 16034229
Application Type: Utility
Filing Date: 2018-07
Publication Date: 2020-01
Patent Classification: ["726", "007000"]

Abstract:
Embodiments of a smart card and systems and methods for secure data access using a smart card are described. The smart card may be formed a substrate and may include a microprocessor, a memory containing an applet, a counter, and a unique identifier. The smart card may dynamically generate a unique uniform resource location (URL) and transmit the URL to via a contactless communication interface to securely facilitate data access from other devices.

Claim (Index 15):
A method of accessing of information, the method comprising:\n bringing a smart card containing a contactless communication interface, a microprocessor, and a memory storing an applet, a counter, and a unique customer identifier, into the communication field of a communication device; incrementing a value stored in the counter and synchronizing the value with a counter contained in the communication device; synchronizing the incremented counter value with a counter contained in the server; generating a unique one-time uniform resource locator (URL) by cryptographically hashing the incremented counter value and the unique customer identifier; transmitting the unique one-time URL to a client application comprising instructions for execution on the communication device via the contactless communication interface; appending location information relating to the communication device to the unique URL; transmitting the unique one-time URL to a server containing financial information; recreating the cryptographic hash by the server using an expected counter value and the unique customer identifier; comparing the cryptographic hash recreated by the server to the unique one-time URL transmitted to the server; and transmitting financial information from the server to the client application if the recreated cryptographic hash matches the unique one-time URL.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 95.0
- Lexical Diversity: 1.58824
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14524842', '10269033', '14971232', '12892328', '13310091']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2588957820270517
- 35 USC 102 Novelty (BERT): 0.4822665551176291
- Combined Prediction Score: 0.2812328593361095
- Mean Citation Score: 168.396518
- Max Citation Score: 178.05796999999995
- Similarity Product: 133.40068909408208

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