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The real standard for obviousness--and anything, really--is in the claims. The main claim in this patent, claim 1, reads as follows: A method for establishing a credit account comprising: receiving initial information from a consumer sufficient to permit a trusted third party to establish said consumer as a subscriber of said trusted third party's services; ...


2

You might try Espacenet, The Lens or PatentScope - all are https


1

US20160226868A1 is a patent application, not a patent. I may or may not ever get granted as a patent and even if it does, it is highly likely the claims will change from what is in the application. In any case a claim needs to be taken in its entirety. The claim doesn't restrict others from using the individual steps. For claims with multiple steps, each and ...


1

If you want to protect your idea you would get a solid US patent application on file before you publish anything about it. You might want to delve more into the practicality of the idea before publishing anything. One approach would be to file first on what you already have in mind and then do more thinking/work on possible implementations and file again on ...


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