PATENT CLAIM ANALYSIS

Application Number: 16126652
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-01
Patent Classification: ["705", "065000"]

Abstract:
A system for verifying intent in a card not present transaction is provided. The system includes a late binding token that is distributable to consumers without necessarily being bound to an account. The system also includes a client software that locates a token server configured to facilitate managing and communicating with the late binding token. The system also includes a protocol concerning how to build a verifiably secure structured proposal that carries an offer to the consumer through the client software.

Claim (Index 29):
A method for a merchant to perform a secure and verifiable transaction with a consumer, the method comprising:\n generating a structured proposal for the transaction, the structure proposal including a condition for the consumer to satisfy; transmitting the structured proposal to the consumer; receiving a data bundle from the consumer, the data bundle including:\n a hash of the structured proposal, \n a signature of the hash, and \n an indicium of acceptance of the structured proposal from the consumer; \n determining, based on the indicium of acceptance, a confidence level that the consumer accepted the structured proposal; and finalizing the transaction by generating transmitting a decision message based on the confidence level.

Metadata:
- Claim Count in Document: 53.0
- Percentile: 97.0
- Lexical Diversity: 1.60377
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['10156734', '10628584', '09653078', '13086197', '13086181']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.0989793734454516
- 35 USC 102 Novelty (BERT): 0.5651591897606556
- Combined Prediction Score: 0.145597355076972
- Mean Citation Score: 257.07867000000005
- Max Citation Score: 466.20294
- Similarity Product: 342.8841380887628

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

Dataset: test