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 21):
A method for performing a secure and verifiable transaction between a consumer and a merchant with a client software, the method comprising:\n receiving a structured proposal for the transaction from a merchant computing device; generating an image viewable by the consumer, wherein the image presents an offer of the structured proposal to the consumer; collecting an indicium of acceptance to the offer from the consumer in response to the image, generating a data bundle that includes:\n a reference to the structured proposal that is signed using a key that is not known to the merchant, \n data relating to the indicium of acceptance, and \n data identifying the client software; \n transmitting the data bundle for verification; receiving a verification response to the transmitted data bundle, the response indicating whether the data bundle was verified; and finalizing the transaction based on the verification response and the indicium of acceptance.

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): 0.0991428809136192
- 35 USC 102 Novelty (BERT): 0.5641773859574891
- Combined Prediction Score: 0.1456463314180062
- Mean Citation Score: 257.07867000000005
- Max Citation Score: 466.20294
- Similarity Product: 336.5293600287044

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

Dataset: test