PATENT CLAIM ANALYSIS

Application Number: 16183505
Application Type: Utility
Filing Date: 2018-11
Publication Date: 2019-03
Patent Classification: ["726", "028000"]

Abstract:
The present disclosure describes a computer-implemented platform for managing electronic endorsable instruments and electronic endorser verification information in order to validate endorser identity. A computer system receives an endorsable electronic instrument and a mobile phone number associated with a targeted potential endorser. The endorsable electronic instrument and a verification information request are sent to the mobile phone number by sending a link to a web-based application via SMS/MMS message. The endorsed electronic instrument and corresponding verification information are received and are associated to validate the endorsed instrument.

Claim (Index 1):
A computer system, comprising:\n one or more processors; and memory having stored thereon computer-executable instructions that are executable by the one or more processors to configure the computer system to perform at least the following:\n receive an endorsable electronic instrument from an endorsement requesting party; \n receive a mobile phone number associated with a targeted endorser; \n associate the mobile phone number with the endorsable electronic instrument; \n generate a link to a web-based application in which the endorsable electronic instrument is accessible to the targeted endorser; \n send the generated link and an associated verification information request to the targeted endorser in the form of an SMS/MMS message using the mobile device phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser according to a particular pose or gesture; \n receive an endorsed electronic instrument and electronic verification information through the web-based application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured, \n wherein the imagery data is validated according to both,\n whether the timestamp is sufficiently recent based on a predetermined time period, and \n whether the imagery data corresponds to the particular pose or gesture required by the verification information request.

Metadata:
- Claim Count in Document: 50.0
- Percentile: 98.0
- Lexical Diversity: 1.82
- Patent Class: 726.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['15432530', '11958300', '14733754', '12950236', '12140369']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.2285699637140288
- 35 USC 102 Novelty (BERT): 0.5782980107565534
- Combined Prediction Score: 0.2635427684182813
- Mean Citation Score: 243.83043800000004
- Max Citation Score: 456.36398
- Similarity Product: 437.69042764434334

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

Dataset: test