PATENT CLAIM ANALYSIS

Application Number: 16126596
Application Type: Utility
Filing Date: 2018-09
Publication Date: 2019-03
Patent Classification: ["705", "035000"]

Abstract:
Systems and methods for permitting a buyer of a mobile home to apply for a mortgage by taking digital photographs of documents with his or her mobile device are disclosed. The borrower's mobile device may include subsystems for processing the image, optimizing it, and converting the image into a file type that may be acceptable by a lender. A loan facilitation platform performs additional processing to determine whether the document may be deemed acceptable by a lender. If so, the processed documents may be sent to a lender. The systems and method disclosed herein improve the mortgage application review and approval process and bring greater transparency to it.

Claim (Index 12):
A mobile computing device comprising a non-transitory non-volatile computer-readable storage device including instructions, which when executed by a processor of the mobile computing device, cause the mobile computing device to:\n receive information from a loan facilitation system, the information related to applying for a loan to purchase a mobile home, wherein the information indicating items that a borrower must submit to a lender to complete a loan application to purchase a mobile home, items that have been submitted to the lender, items that the lender must provide to complete the loan application, and items that have been completed by at least one of the borrower and the lender; display the received information on the mobile computing device; capture an image of at least one document, each document corresponding to at least one request for information related to applying for a loan; process the image to ensure legibility and improve the likelihood that the image will be accepted by a lender, the process comprising finding page corners within the image; convert the image to a file format that is acceptable to the lender; send the document to the loan facilitation system; receive an update on an application on the mobile computing device, the update indicating that that the borrower has successfully uploaded one or more documents; receive one or more additional updates on the mobile computing device and the loan facilitation system instantly and simultaneously when a document has been requested from the borrower, submitted by the borrower, received a review from the loan facilitator, or received a review from the lender; and establish a direct communication connection with the loan facilitation system, the direct communication connection enabling the borrower to communicate with a loan facilitator via the application while using the borrower's mobile device.

Metadata:
- Claim Count in Document: 23.0
- Percentile: 97.0
- Lexical Diversity: 1.64789
- Patent Class: 705.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['14434456', '14666197', '11322734', '10884766', '11322934']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.125697464504627
- 35 USC 102 Novelty (BERT): 0.4974701241464755
- Combined Prediction Score: 0.1628747304688119
- Mean Citation Score: 250.430784
- Max Citation Score: 266.4163
- Similarity Product: 199.051272223568

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