PATENT CLAIM ANALYSIS

Application Number: 15732807
Application Type: Utility
Filing Date: 2018-01
Publication Date: 2018-10
Patent Classification: ["715", "221000"]

Abstract:
The present invention, EscrowTab mobile application system and method comprises automating, reviewing, executing, and transmitting documents used in real estate financial transactions by providing document data visualization on a mobile device allowing for review and execution of financial closing documents, such as promissory notes, deeds of trust and financial documents on a mobile device such as a tablet and relaying these documents to and from the originating financial institution, via means of the internet or dedicated communications media.

Claim (Index 16):
An EscrowTab mobile application system and method to overlay editing of a PDF document with editable areas for signing and placing image stamps comprising:\n i. providing use of editable layers of a PDF electronic contractual document on a mobile device; ii. providing full screen editable signing areas on said PDF electronic contractual document to recreate paper based experience of signing documents with an agent, notary, and borrower signing and initialing said PDF electronic contractual document; iii. providing signing states for agents, notary, and borrower signing and initialing said PDF electronic contractual document; iv. destroying said PDF electronic contractual document on said mobile device after completing review and execution of said PDF electronic contractual document; v. providing algorithms in the EscrowTab mobile application to improve handwriting detection on said mobile device and detecting pen over hand touches for right and left handed people; vi. optimizing to only save image and editable areas and flatten onto PDF electronic format excluding areas with no signage; vii. providing digital image notary stamps on editable layers of said PDF electronic contractual document; viii. transmitting of said editable layers of said PDF electronic contractual document via internet or a dedicated medium to said mobile device; ix. providing digital re-creation of physical paper signing to said mobile device by digital pens; x. providing secure editing and signing of documents that are transmitted from lending companies to said mobile device to agents and include a notary as part of the process; xi. creating flow of digital documents that are only readable by the agent and client while being signed, when signing is complete the document on the client application is destroyed; and xii. storing securely said signed and unsigned versions of electronic PDF documents.

Metadata:
- Claim Count in Document: 1.0
- Percentile: 86.0
- Lexical Diversity: 1.48276
- Patent Class: 715.0
- Transitional Phrase Type: open
- Component Type: 1
- Foreign Priority: False
- Related Applications: ['11037505', '13419539', '13892284', '12911471', '14330607']

Analysis Scores:
- 35 USC 101 Eligibility (BERT): 0.3550330076063971
- 35 USC 102 Novelty (BERT): 0.5044037068251074
- Combined Prediction Score: 0.3699700775282681
- Mean Citation Score: 271.381388
- Max Citation Score: 275.8875
- Similarity Product: 177.78601620197296

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