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1. WO2020136284 - ELECTRONIC REGISTERED MAIL METHODS, APPARATUS, AND SYSTEM

Note: Text based on automatic Optical Character Recognition processes. Please use the PDF version for legal matters

[ EN ]

CLAIMS

The invention is claimed as follows:

1. An electronic registered mail (“ERM”) apparatus comprising:

at least one interface configured to receive, from a sender server, (i) recipient information for creating ERM for sending to a recipient, (ii) ERM content for the ERM, and (iii) at least one verification option, the recipient information including a recipient name, a recipient physical address, and a recipient email address;

a processor communicatively coupled to the at least one interface and configured to: create an ERM notification message for the recipient by including the recipient name, the recipient physical address, and instructions for verification of the recipient based on the selected at least one verification option, store a copy of the ERM to a memory device including at least one of the ERM notification message or the ERM content,

transmit the ERM notification message to the recipient email address, receive verification information from a user device that accesses an email application for the recipient email address,

compare the verification information to at least some of the recipient information provided by the sender server or a unique code,

if the comparison is positive, cause the ERM content to be provided to the recipient, and

if the comparison is negative, prevent the ERM content from being provided to the recipient.

2. The apparatus of Claim 1, wherein the ERM content includes at least one of a message, confidential information, a lien notification, legal information, personal information, an image, a video, or a hyperlink to a payment processor online system, a website, web form, or a server.

3. The apparatus of Claim 1, wherein the processor is configured to include the ERM content with the ERM notification message and cause the ERM content to made available or unlocked if the comparison is positive.

4. The apparatus of Claim 1, wherein the processor is configured to provide the ERM content separately from the ERM notification message and transmit at least one message with the ERM content to the email address of the recipient if the comparison is positive.

5. The apparatus of Claim 1, wherein the processor is configured to store a record of the comparison in relation to the copy of the ERM in the memory device.

6. The apparatus of Claim 1, wherein the processor is configured to transmit a message to the sender server that is indicative of the comparison or indicative as to whether the ERM content was provided to the recipient.

7. The apparatus of Claim 1, wherein the at least one verification option includes at least one of receiving a code from a notary, recording an image of an identification card, recording video of the recipient holding an identification card, or live verification by an operator.

8. The apparatus of Claim 7, wherein the processor is configured to include a verification submission feature with the ERM notification message, the submission feature configured based on the selected at least one verification option.

9. The apparatus of Claim 8, wherein:

selection of the verification submission feature for the code from the notary causes the ERM notification message to open an interface on the user device with at least one field to accept the code from the notary for submission of the verification information;

selection of the verification submission feature for recording the image of the identification card causes the ERM notification message to open an interface on the user device with at least one field to accept a recorded image of the identification card of the recipient for submission of the verification information;

selection of the verification submission feature for recording the video of the recipient holding the identification card causes the ERM notification message to open an interface on the user device that provides instructions for the recipient to perform while being recorded and includes at least one field to accept the recorded video of the identification card of the recipient for submission of the verification information; and

selection of the verification submission feature for the live verification by an operator causes the ERM notification message to open an interface on the user device with a communication connection to an operator terminal that provides the verification information after the recipient has satisfied requests of the operator or the operator terminal provides the recipient the code for submission as the verification information.

10. The apparatus of Claim 1, wherein the processor is configured to compare the verification information to at least some of the recipient information by:

performing at least one of a name recognition algorithm or a physical address recognition algorithm;

if a degree of similarity provided by the at least one of a name recognition algorithm or the physical address recognition algorithm is above a threshold, determine the comparison is positive; and

if the degree of similarity provided by the at least one of a name recognition algorithm or the physical address recognition algorithm is below the threshold, determine the comparison is negative.

11. The apparatus of Claim 10, wherein the at least one of the name recognition algorithm or the physical address recognition algorithm includes at least one of a programming classics method for comparing characters, a Levenshtein method that determines a minimal number of characters needed to be replaced to create a match, an inclusion method that searches for name prefixes such as Mr. or Dr., an inversion of words method, an inversion of fields method, or combinations thereof to determine the degree of similarity between at least one of the recipient name and the recipient physical address.

12. The apparatus of Claim 1, wherein the processor is configured to:

include a name change option in the ERM notification message;

receive from the user device after selection of the name change option, an amended recipient name;

transmit a message to the sender server that is indicative of the amended recipient name; if an approval message is received from the sender server, create a second ERM including a second ERM notification message with the amended recipient name; and

transmit the second ERM notification message with the amended recipient name to the recipient email address.

13. The apparatus of Claim 1, wherein the ERM content includes a lien notice or a lien to sale notice.

14. An electronic registered mail (“ERM”) apparatus for lien notifications comprising: at least one interface configured to receive, from a sender server, (i) recipient information for creating ERM for sending to a recipient, (ii) overdue account information, and (iii) at least one verification option, the recipient information including a recipient name, a recipient physical address, and a recipient email address;

a memory device storing template forms for lien notices and coding for jurisdictional rules regarding lien notices; and

a processor communicatively coupled to the at least one interface and the memory device, the processor configured to:

determine a jurisdiction related to the recipient or the account of the recipient, determine a lien notice is to be generated based on the coding for jurisdictional rules that are related to the determined jurisdiction and the overdue account information,

generate the lien notice for the recipient,

create an ERM notification message for the recipient by including the recipient name, the recipient physical address, and instructions for verification of the recipient based on the selected at least one option,

transmit the ERM message notification to the recipient email address, receive verification information from a user device that accesses an email application for the recipient email address and views the ERM notification message,

compare the verification information to at least some of the recipient information provided by the sender server or a unique code,

if the comparison is positive, cause the lien notice to be provided electronically to the recipient, and

if the comparison is negative, cause the lien notice to be physically mailed to the recipient physical address.

15. The apparatus of Claim 14, wherein the processor is configured to include the lien notice with the ERM notification message and cause the lien notice to be unlocked if the comparison is positive.

16. The apparatus of Claim 14, wherein the processor is configured to provide the lien notice separately from the ERM notification message and transmit at least one message with the lien notice to the email address of the recipient if the comparison is positive.

17. The apparatus of Claim 14, wherein the processor is configured to:

include a hyperlink to a payment processor in the lien notice;

after causing the lien notice to be provided to the recipient, receive an indication of a payment from the payment processor; and

update the overdue account information to reflect the payment by the recipient.

18. The apparatus of Claim 17, the processor is configured to transmit a payment message to the sender server that is indicative of the payment.

19. The apparatus of Claim 14, wherein the processor is configured to:

include a feature to initiate communication via at least one of a text message program, an email message program, or a phone program in the lien notice;

after causing the lien notice to be provided to the recipient, receive from the user device a communication via the at least one of the text message program, the email program, or the phone program; and

route the communication to an account or a queue of an operator for responding.

20. The apparatus of Claim 14, wherein the processor is configured to:

include a name change option in the ERM notification message;

receive from the user device after selection of the name change option, an amended recipient name;

transmit a message to the sender server that is indicative of the amended recipient name; and

if an approval message is received from the sender server, verify the recipient or a substitute recipient using the received verification information and the amended recipient name.