PATENT CLAIM ANALYSIS

Application Number: 15887464
Application Type: Utility
Filing Date: 2018-02
Publication Date: 2018-06
Patent Classification: ["705", "038000"]

Abstract:
An intermediary service provider is established to automatically request a corresponding security freeze at each of many redundant credit bureaus upon the enrollment of a particular consumer with the service provider. Each request of a security freeze to each credit bureau prompts that respective credit bureau to generate a unique identification code. Only the return of the correct respective unique identification code will enable the respective security freeze to be released. Accordingly, with the automated support of the service provider, the particular consumer seizes control of their security freeze credentials from each credit bureau before an identity thief can wreck havoc.

Claim (Index 23):
A system to preempt an access by identity thieves to redundant consumer credit files of particular consumers concurrently maintained by a plurality of main credit bureaus, comprising:\n a consumer freeze-lock product enrollment; a consumer freeze placement request; a consumer global permanent freeze removal request; a consumer individual freeze release code request; a service provider organized to receive, handle, and act on each of the consumer freeze-lock product enrollment, consumer freeze placement request, consumer global permanent freeze removal request, and consumer individual freeze release code request, and further organized to authenticate and communicate authenticatable consumer freeze placement and removal orders common to an particular consumer essentially in parallel to any of a plurality of credit bureaus; wherein, the service provider is further organized to receive and store issued-once release codes from each of the plurality of credit bureaus that are required later by them to complete a subsequent freeze removal request with the same credit bureau; wherein, a single request from a single consumer is handled to produce a coordinated plurality of freeze placement and removal orders for files related to respective consumers independently held in common with those included within the plurality of credit bureaus.

Metadata:
- Claim Count in Document: 8.0
- Percentile: 88.0
- Lexical Diversity: 1.81356
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11304835', '11304249', '15015407', '12541835', '12749605']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.1400768759267431
- 35 USC 102 Novelty (BERT): 0.5110359026820074
- Combined Prediction Score: 0.1771727786022695
- Mean Citation Score: 272.69471
- Max Citation Score: 282.80103
- Similarity Product: 165.3504045559269

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