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 19):
A computer program product comprising one or more hardware storage devices having stored thereon instructions that are executable by one or more processors to configure a computer system to perform at least the following:\n receive an endorsable electronic instrument from an endorsement requesting party; receive a mobile phone number associated with a targeted endorser; associate the mobile phone number with the endorsable electronic instrument; generate a link to a web-based application in which the endorsable electronic instrument is accessible to the targeted endorser; 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, wherein the verification information request includes a request for imagery of the endorser and/or a request for a voice recording of the endorser; receive an endorsed electronic instrument and electronic verification information through the web-based application, wherein the received electronic verification information includes imagery data and/or a voice recording; receive, from the endorsement requesting party, imagery data and/or a voice recording associated with the targeted endorser; compare the imagery data and/or voice recording associated with the targeted endorser, as received from the endorsement requesting party, to the electronic verification information as received through the web-based application; and associate the verification information with the endorsed electronic instrument to validate the endorsed instrument.

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): 0.2289050283455645
- 35 USC 102 Novelty (BERT): 0.5773211510052991
- Combined Prediction Score: 0.2637466406115379
- Mean Citation Score: 243.83043800000004
- Max Citation Score: 456.36398
- Similarity Product: 430.7273011604072

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