Notice of Pre-AIA or AIA Status
The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA .
DETAILED ACTION
Notice of Pre-AIA or AIA Status
The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA .
Status of Claims
This action is a final rejection.
Claims 9, 16-20 and 25-39 were previously cancelled by Applicant
Claims 1-8, 10-15, 21-24 and 40 are pending
Claims 1, 21 and 40 were amended by Applicant
Claims 1-8, 10-15, 21-24 and 40 are rejected under 35 USC § 101
Priority
Acknowledgement is made of Applicant’s claim for a domestic priority date of 12-23-2015
Information Disclosure Statement
The information disclosure statement (IDS) submitted on 8-15-2023 and 2-12-2024 are in compliance with the provisions of 37 CFR 1.97. Accordingly, the information disclosure statement is being considered by the examiner.
Claim Rejections - 35 USC § 101
35 U.S.C. 101 reads as follows:
Whoever invents or discovers any new and useful process, machine, manufacture, or composition of matter, or any new and useful improvement thereof, may obtain a patent therefor, subject to the conditions and requirements of this title.
Claims 1-8, 10-15, 21-24 are not patent eligible because the claimed invention is directed to an abstract idea without significantly more.
Analysis
First, claims are directed to one or more of the following statutory categories: a process, a machine, a manufacture, and a composition of matter. Regarding claims 1-8, 10-15, 21-24 the claims recite an abstract idea of “enabling of custom message formats in trading”.
Independent Claims 1, 21 are rejected under 35 U.S.C 101 based on the following analysis.
-Step 1 (Does the claim fall within a statutory category? YES): claims 1, 21 recite a system, method and computer readable medium for dynamic monitoring of credit parameters.
-Step 2A Prong One (Does the claim fall within at least one of the groupings of abstract ideas?: YES): each of the .. message formats comprises:
receiving, … a first credit amount associated with an account profile record, the account profile record defining a base credit rate and a total credit limit;
generating a first data record defining credit parameters, the credit parameters including a first principal parameter populated with the first credit amount, and a credit rate parameter populated with the base credit rate;
receiving registration request associated with the account profile record, the registration request including asset data identifying an asset to be registered against at least a portion of the first credit amount;
querying, with query data based on at least a portion of the account profile record or the asset data including one or more ..records including ownership or security interest information for a plurality of assets with more than one record … generating at least one alternate identifier for the account profile record or the asset data or code encoded directly into the account profile record the at least one alternate identifier representing an imprecise estimation of a match;
monitoring using the at least one alternate identifier or code and receiving an asset data record indicative of a change in one or more encumbrances associated with one or more assets of the plurality of assets, the asset data record generated based on the ownership or security interest information for the one or more assets;
upon verification of the ownership or security interest information for the identified asset included in the registration request, against the ownership or security interest information in the one or more … records accessed …, generating an enhanced data record based on the verified asset data in the registration request, the enhanced data record including:
a second data record including a second principal parameter populated with a second credit amount and a credit rate parameter populated with a reduced credit rate, the second credit amount being based on the portion of the first credit amount associated with the identified asset in the verified asset data in the registration request;
the first data record with the first principal parameter adjusted based on the portion of the first credit amount included in the second data record, the first data record and the second data record coupled toqether
upon detecting an impairment trigger, modifying one or more data fields of the enhanced data record to adjust at least one of the parameters in the enhanced data record to encapsulate a corresponding change in risk level in the ...data
instructing .. for a recordal of the asset to be registered based on the enhanced data record, wherein the recordal of the asset … is for effecting public notice of the recordal of the asset;
instructing to effect the public notice of the recordal of the asset
wherein the enhanced data record is maintained over a duration of time to ..size at least one of the first credit amount of the first data record or the second credit amount of the second data record based on the change in the one or more encumbrances indicated in the received asset data record;;
belongs to the grouping of certain methods of organizing human activity under fundamental economic principles or practice (including hedging and mitigating risk) as it recites dynamic monitoring of credit parameters. (refer to MPEP 2106.04(a)(2)). Accordingly this claim recites an abstract idea.
-Step 2A Prong Two (Are there additional elements in the claim that imposes a meaningful limit on the abstract idea? NO).
Claims 1, 21 recite:
receiving, over the at least one communication interface, signals representing a first credit amount associated with an account profile record;
storing the first data record in the at least one storage device;
receiving an electronic registration request;
quering, over the at least one communication interface, at least one external database;
the at least one external database including one or more database records;
database record accessed over the at least one communication interface;
receiving, over the at least one communication interface, an asset data record;
one or more assets stored in the external database;
one or more database records accessed over the at least one communication interface, generating an enhanced data record as a data structure having extended dynamic data fields;
data record coupled toqether using a pointer data object. the pointer data object utilized during automatic monitoring of a shared allocation between the first data record and the second data record;
wherein the enhanced data record including the first data record and the second data record as the extended dynamic data fields. is processed by a downstream system as an encapsulated data package comprising instruction sets for provisioning of a product;
encapsulated data package;
generating one or more electronic signals for instructing an interface of a security registrar system for a recordal of the asset to be registered on the security registrar system;
transmitting, over the at least one communication interface, said one or more electronic signals for instructing the interface of the security registrar system to effect the public notice of the recordal of the asset;
rendering. on the secure graphical interface. one or more graphical visual interface elements representing the extended dynamic data fields of the dynamically updated enhanced data record. the rendering triggered by the detection of the impairment trigger;
dynamically size at least one of the first credit amount.
Claim 1 recites:
A computer system controlling rendering of a secure graphical user interface dynamically updated based on for dynamic monitoring of external database parameters;
at least one communication interface;
at least one storage device configured to store a plurality of data records;
at least one processor;
Claim 21 recites:
A computer-implemented method for dynamic monitoring of credit parameters.
Amounting to additional elements that are recited at a high-level of generality such that it amounts to no more than mere instructions to implement an abstract idea on a computer, or merely use a computer as a tool to implement the abstract idea. (refer to MPEP 2106.05(f)). Accordingly, the claim as a whole does not integrate the abstract idea into a practical application because it does not impose any meaningful limits on practicing the abstract idea.
-Step 2B (Does the additional elements of the claim provide an inventive concept?: NO. As discussed previously with respect to Step 2A Prong Two,
Claims 1, 21 recite:
receiving, over the at least one communication interface, signals representing a first credit amount associated with an account profile record;
storing the first data record in the at least one storage device;
receiving an electronic registration request;
quering, over the at least one communication interface, at least one external database;
the at least one external database including one or more database records;
database record accessed over the at least one communication interface;
receiving, over the at least one communication interface, an asset data record;
one or more assets stored in the external database;
one or more database records accessed over the at least one communication interface, generating an enhanced data record as a data structure having extended dynamic data fields;
data record coupled toqether using a pointer data object. the pointer data object utilized during automatic monitoring of a shared allocation between the first data record and the second data record;
wherein the enhanced data record including the first data record and the second data record as the extended dynamic data fields. is processed by a downstream system as an encapsulated data package comprising instruction sets for provisioning of a product;
encapsulated data package;
generating one or more electronic signals for instructing an interface of a security registrar system for a recordal of the asset to be registered on the security registrar system;
transmitting, over the at least one communication interface, said one or more electronic signals for instructing the interface of the security registrar system to effect the public notice of the recordal of the asset;
rendering. on the secure graphical interface. one or more graphical visual interface elements representing the extended dynamic data fields of the dynamically updated enhanced data record. the rendering triggered by the detection of the impairment trigger;
dynamically size at least one of the first credit amount.
Claim 1 recites:
A computer system controlling rendering of a secure graphical user interface dynamically updated based on for dynamic monitoring of external database parameters;
at least one communication interface;
at least one storage device configured to store a plurality of data records;
at least one processor;
Claim 21 recites:
A computer-implemented method for dynamic monitoring of credit parameters.
Amount to additional elements that are recited at a high-level of generality such that it amounts to no more than mere instructions to implement an abstract idea on a computer, or merely use a computer as a tool to implement the abstract idea. (refer to MPEP 2106.05(f)) Accordingly, even in combination the additional elements of the claim do not provide an inventive concept (significantly more than the abstract idea) and hence the claim is ineligible.
Independent Claim 40 is rejected under 35 U.S.C 101 based on the following analysis.
-Step 1 (Does the claim fall within a statutory category? NO): claim 40 recites a “computer readable medium having machine readable instructions stored thereon”. Paragraph 169 of the specification gives an open-ended description of a software product: "The software product may be stored in a non-volatile or non-transitory storage medium, which can be a compact disk read-only memory (CD-ROM), a USB flash disk, or a removable hard disk". This description of the software product is exemplary only, and does not exclude signals. Therefore, the BRI of claim 40 includes transitory signals, and hence the claim does not fall within a statutory category.
Dependent Claims:
Step 2A Prong One: The following dependent claims recite additional limitations that further define the abstract idea of decision support regarding medical procedures based on predictor models that use patient data. These claim limitations include:
Claims 2 & 22:
correlating at least a portion of the asset data with the one or more … records … to identify a current value of the asset identified by the asset data;
wherein the second principal parameter of the second data record is populated based on the current value;
Claims 3 & 23:
monitoring for impairment event data indicating a change in the current value of the asset; and
upon detecting the impairment trigger, modifying the enhanced data record to adjust at least one of: the second principal parameter or the credit rate parameter included in the second data record;
Claims 4 and 24: wherein the impairment trigger is detected when a change in the current value of the asset indicates a drop in value relative to the second principal parameter in the second data record;
Claim 5: wherein detecting an impairment trigger comprises:
detecting the impairment to a class of assets corresponding to a plurality of enhanced data records;
wherein the impairment trigger is detected when one or more parameters in the corresponding plurality of enhanced data records exceeds a defined threshold;
Claim 6:
monitoring for impairment event data indicating an impairment or enhancement of one or more parameters in the account profile record; and
upon detecting an impairment or enhancement trigger, modifying the account profile record to adjust at least one of the base credit rate, or the total credit limit;
Claim 7:
monitoring the one or more … records … to detect a change in security interest information for the asset associated with the enhanced data record, and updating the credit rate parameter based on the change in security interest information;
Claim 8: wherein correlating at least the portion of the account profile record and the asset data with the one or more …records …comprises:
extracting a subset of fields from the account profile record or the asset data, and generating a …record request based on the subset of fields; and
upon receiving a response to the … record request indicating that the subset of fields is not correlated with a single record, extracting an additional subset of fields from the account profile record or the asset data, and generating a further … record request based on the additional subset;
Claim 10: wherein the enhanced data record is associated with the account profile record, and a second account profile record.
Claim 11: wherein the enhanced data record includes … information representing ownership allocation of the asset across the account profile record and the second account profile record.
Claim 12: wherein the second data record is associated with asset data of the plurality of assets.
Claim 13: wherein the principal parameters of the first data record and the second data record together constitute a total available pool of credit;
Claim 14: determine, for at least one asset determined to be associated with the account profile record, whether the at least one asset has been used to provision a reduced credit rate by querying the second data record to validate whether the asset data is recorded in relation to the second data record;
Claim 15: upon determining that there is at least one asset has not been associated with the reduced credit rate by querying the second data record, generating a flag on the account profile record indicative of an availability for the at least one asset to be recorded on the enhanced data record;
Step 2A Prong Two (Are there additional elements in the claim that imposes a meaningful limit on the abstract idea? NO). The following dependent claims recite additional elements that are recited at a high-level of generality such that it amounts to no more than mere instructions to implement an abstract idea on a computer, or merely use a computer as a tool to implement the abstract idea. (refer to MPEP 2106.05(f)). Accordingly, the claims as a whole do not integrate the abstract idea into a practical application because they do not impose any meaningful limits on practicing the abstract idea. The claims include:
Claims 2 & 22:
at least one processor is configured;
database records accessed over the at least one communication interface;
Claims 3 & 23:
at least one processor is configured;
Claim 5:
data records stored in the at least one storage device;
Claim 6:
at least one processor is configured;
Claim 7:
at least one processor is configured;
database records accessed over the at least one communication interface;
Claim 8:
databases records accessed over the at least one communication interface;
database record;
Claim 11:
electronic information
Claim 14:
processor is further configured;
Claim 15:
processor is further configured;
Step 2B (Does the additional elements of the claim provide an inventive concept?: NO). As discussed previously with respect to Step 2A Prong Two, the following dependent claims recite additional elements that are recited at a high-level of generality such that it amounts to no more than mere instructions to implement an abstract idea on a computer, or merely use a computer as a tool to implement the abstract idea. (refer to MPEP 2106.05(f)). Accordingly, even in combination the additional elements of the claim do not provide an inventive concept (significantly more than the abstract idea) and hence the claim is ineligible. The claims include:
Claims 2 & 22:
at least one processor is configured;
database records accessed over the at least one communication interface;
Claims 3 & 23:
at least one processor is configured;
Claim 5:
data records stored in the at least one storage device;
Claim 6:
at least one processor is configured;
Claim 7:
at least one processor is configured;
database records accessed over the at least one communication interface;
Claim 8:
databases records accessed over the at least one communication interface;
database record;
Claim 11:
electronic information
Claim 14:
processor is further configured;
Claim 15:
processor is further configured;
Prior Art Made of Record
The prior art made of record and not relied upon is considered pertinent to Applicant's disclosure, and is listed in the attached form PTO-892 (Notice of References Cited). Unless expressly noted otherwise by the Examiner, all documents listed on form PTO-892 are cited in their entirety.
Schmidt (US 2014/0249992 A1) – GUARANTOR MORTGAGES- teaches: Systems, methods, and machine-interpretable programming or other instruction products for guarantor mortgages. In particular, the disclosure provides methods, apparatus, and programming product for the processing of improved transfer of monetary value through innovative loan processes.
Bent (US 2006/0224480 A1) – Systems And Methods For Loan Management With Variable Security Arrangements - teaches: A data processing system, program product, and method is provided for managing at least one credit-granting account of a participant. The system comprises in one embodiment an electronic database including information describing collateral assets of the participant used for securing the credit-granting account, and a computer system comprising one or more processors coupled to the electronic database and programmed among them to establish through an API a credit-granting account with a facility to maintain a plurality of collateral assets as collateral for the credit-granting account; receive new information regarding a collateral asset that is real estate for securing the credit-granting account; determine perfection status of a security interest in the collateral asset; store, in the electronic database, the new information and at least any change in the perfection status; and determine an interest rate to be charged on outstanding credit balances based on the new information regarding the collateral asset available for securing the credit-granting account containing the perfection status. The system further comprises an electronic network access device for sending a signal identifying the new interest rate to an access-vehicle issuing system so that the issuing system can charge the interest rate on outstanding credit balances. In one of the alternative embodiments, the system sends a signal identifying the interest rate to an interest rate program that controls the interest rate for the credit-granting account.
Rothrock (US 2014/0025562 A1) – ENHANCED CREDIT REPORTING SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT - teaches: A system, method and computer program product cooperate to gather and report information relevant to a consumer's credit that is not typically reported on a credit report from one of the major credit bureaus. By accessing other databases regarding borrower specific financially relevant information (e.g., judgments, liens, rental payment compliance, alternative credit transactions, etc.), enhanced data is available for making better lending decisions. Removal of transactions that would prevent compliance with the Fair Credit Reporting Act is performed, as well as removal of transactions that are erroneous for a particular consumer or include information that are not associated with that particular consumer.
Dell Orfano (US 2006/0116952 A1) – System And Method For Creating Electronic Real Estate Registration - teaches: A system for providing a registered land asset includes a property transaction database in communication with a computer network the property transaction database provides information related to transactions associated with each registered land asset parcel, each land parcel having a registered land asset identifier representing global coordinates particular to the parcel. The system also includes a location characteristic database in communication with the computer network. The location characteristic database provides socioeconomic data regarding the location wherein the land parcel associated with the registered land asset is situated. A registered land asset contract may give a leaseholder an option to purchase the land by the end of a given term. A computer receives data from the property transaction database and the location characteristic database via the computer network and calculates prices and values associated with a registered land asset contract associated with the land parcel and a registered land asset contract is recorded in association with the land asset identifier corresponding to the land parcel in an electronic land title registry in communication with the computer network.
Chamberlain (WO 2013/075174 A2) – SYSTEM FOR MANAGING A PORTFOLIO OF ASSET ACQUISITIONS - teaches: A system (10) for managing a portfolio or collection of asset acquisitions, each asset acquisition being associated with a respective asset module (28) comprising an asset module controller and asset module storage for storing asset module software for controlling the asset module controller and storing asset module data. The system is operably coupled to communicate with each asset module and comprises a system controller (20) and system storage (22) for storing system software for controlling the system controller. The system controller is operable, under control of the system software, to: receive input data comprising: details of first interest rates associated with respective asset acquisitions of the portfolio and being a percentage of a borrowed first portion; and details of percentage increases in the value of at least one asset component associated with respective asset acquisitions of the portfolio from an initial value; automatically determine values of repayments of a first set of repayments for the respective asset acquisitions on the basis of the received first interest rates and communicate the determined values to the respective asset acquisition modules for storage in the asset module storage thereof; automatically establish a link between the received first interest rates and repayments of one or more further sets of repayments for the respective asset acquisitions, the link comprising one or more further interest rates; and automatically determine values of repayments of one or more further sets of repayments for the respective asset acquisitions on the basis of the established link, the values comprising a percentage of one or more further borrowed portions, and communicate the determined values to the respective asset acquisition modules for storage in the asset module storage thereof; and automatically determine values of repayments of one or more sets of additional payments for the respective asset acquisitions on the basis of the received percentage increases and communicate the determined values to the respective asset acquisition modules for storage in the asset module storage thereof.
Response to Arguments
Applicant's arguments filed 11/21/2025 have been fully considered but they are not persuasive.
Applicant amended independent claims 1, 21 and 40 as posted in the above analysis with additions underlined and deletions
In response to Applicant’s arguments regarding rejection under 35 U.S.C §101.
Several steps are taken in the analysis as to whether an invention is rejected under 101. The first step is to determine if the claim falls within a statutory category. In this case it does for claims 1, 21 since the claims recite system, method for dynamic monitoring of credit parameters. However claim 40 does not fall within a statutory category since claim 40 recites a “computer readable medium having machine readable instructions stored thereon”. Paragraph 169 of the specification gives an open-ended description of a software product: "The software product may be stored in a non-volatile or non-transitory storage medium, which can be a compact disk read-only memory (CD-ROM), a USB flash disk, or a removable hard disk". This description of the software product is exemplary only, and does not exclude signals. Therefore, the BRI of claim 40 includes transitory signals, and hence the claim does not fall within a statutory category.
The second step under 2A prong one is to determine if the claims recite an abstract idea, which would be the case if the invention can be grouped as either: a) mathematical concepts; (b) mental processes; or (c) certain methods of organizing human activity (encompassing (i) fundamental economic principles, (ii) commercial or legal interactions or (iii) managing personal behavior or relationships or interactions between people). The current invention is classified as an abstract idea since it may be grouped as belonging to the grouping of certain methods of organizing human activity under fundamental economic principles or practice (including hedging and mitigating risk) as it recites “dynamic monitoring of credit parameters”.
The third step under 2A Prong Two is to determine if additional elements in the claim imposes a meaningful limit on the abstract idea in order to integrate it into a practical idea. The current invention does not represent a practical idea since the additional elements amount to mere instructions to implement an abstract idea on a computer, or merely use a generic computer as a tool to implement the abstract idea.
the fourth step under 2B is to determine if additional elements of the claim provide an inventive concept. An invention may be classified as an inventive concept if a computer-implemented processes is determined to be significantly more than an abstract idea (and thus eligible), where generic computer components are able in combination to perform functions that are not merely generic, and non-conventional even if generic computer operations on a generic computing device is used to implement the abstract idea
Step 1: The Applicant argues that all independent claims fall within the statutory requirements of §101.
The Examiner agrees with the Applicant regarding independent claims 1 and 21 but disagrees with Applicant regarding claim 40 since the Applicant’s arguments are not persuasive. Specifically claim 40 is rejected under 35 U.S.C 101 based on the following analysis: claim 40 recites a “computer readable medium having machine readable instructions stored thereon”. Paragraph 169 of the specification gives an open-ended description of a software product: "The software product may be stored in a non-volatile or non-transitory storage medium, which can be a compact disk read-only memory (CD-ROM), a USB flash disk, or a removable hard disk". This description of the software product is exemplary only, and does not exclude signals. Therefore, the BRI of claim 40 includes transitory signals, and hence the claim does not fall within a statutory category.
Step 2A Prong One: Applicant argues disagreement regarding the claims being directed to an abstract idea. Specifically, the Applicant argues that the claimed embodiments do not recite certain methods of organizing human activity specific to fundamental economic practices, since the claimed embodiments recite concrete data structures, event detection, and a secure GUI's behavior using defined fields and pointer coupling, all technical in character.
The Examiner disagrees since Applicant’s arguments are not persuasive, and thus reiterates the previous analysis under step 2A Prong One, where the decision as to whether a claim recites an abstract idea rests on analyzing the individualized elements that fall within at least one of the groupings of abstract ideas. The Examiner identified the following elements that recite the abstract idea of “dynamic monitoring of credit parameters” that belong to the grouping of certain methods of organizing human activity under fundamental economic principles or practice (including hedging and mitigating risk).
Based in the Examiner’s analysis the abstract idea is related to mitigating risk since the underlying assets are monitored in order to change the credit line and possibly credit rate if the value of the underlying asset changes or if a lien is placed against it. See at least [0073] of the specification via: “..an ability to compute and/or provide loans whose characteristics (e.g., interest rates) are most carefully calibrated in relation to the risk profile associated with a loan. The system, for example, may be configured such that various aspects of information are tracked and/or monitored to aid the determination of a right-sized loan. For example, the system may be configured to receive 20data from various external systems, the external systems providing information that may be utilized by the system in generating a risk profile in relation to the person and/or the value of the asset…”; in addition see at least [0081] of the specification via: “…As the industry for providing loans, especially loans to consumers may be highly competitive, an automated system for providing loans in view of an aggregate and/or automated risk determination relating not only to a person, but also an underlying asset that 10is the subject of a security interest may be desirable…”.
The method used to select the abstract idea is to strip the additional elements from the claims. As seen below the recited boldened words constitute the abstract idea after stripping the un-boldened additional elements of amended limitation of claims 1, 21:
receiving, over the at least one communication interface, signals representing a first credit amount associated with an account profile record, the account profile record defining a base credit rate and a total credit limit;
generating a first data record defining credit parameters, the credit parameters including a first principal parameter populated with the first credit amount, and a credit rate parameter populated with the base credit rate;
storing the first data record in the at least one storage device;
receiving an electronic registration request associated with the account profile record, the registration request including asset data identifying an asset to be registered against at least a portion of the first credit amount;
quering, over the at least one communication interface, at least one external database with;
query data based on at least a portion of the account profile record or the asset data the at least one external database including one or more database records including ownership or security interest information for a plurality of assets;
upon determining from the query that the query data is correlated with more than one database record accessed over the at least one communication interface, generating at least one alternate identifier for the account profile record or the asset data or code encoded directly into the account profile record the at least one alternate identifier representing an imprecise estimation of a match;
monitoring using the at least one alternate identifier or code and receiving, over the at least one communication interface, an asset data record indicative of a change in one or more encumbrances associated with one or more assets of the plurality of assets, the asset data record generated based on the ownership or security interest information for the one or more assets stored in the external database;
upon verification of the ownership or security interest information for the identified asset included in the registration request, against the ownership or security interest information in the one or more database records accessed over the at least one communication interface, generating an enhanced data record as a data structure having extended dynamic data fields based on the verified asset data in the registration request, the enhanced data record including:
a second data record including a second principal parameter populated with a second credit amount and a credit rate parameter populated with a reduced credit rate, the second credit amount being based on the portion of the first credit amount associated with the identified asset in the verified asset data in the registration request;
the first data record with the first principal parameter adjusted based on the portion of the first credit amount included in the second data record. the first data record and the second data record coupled toqether using a pointer data object. the pointer data object utilized during automatic monitoring of a shared allocation between the first data record and the second data record,
wherein the enhanced data record including the first data record and the second data record as the extended dynamic data fields is processed by a downstream system as an encapsulated data package comprising instruction sets for provisioning of a product;
upon detecting an impairment trigger, modifying one or more data fields of the enhanced data record to adjust at least one of the parameters in the enhanced data record to encapsulate a corresponding change in risk level in the encapsulated data package
generating one or more electronic signals for instructing an interface of a security registrar system for a recordal of the asset to be registered on the security registrar system based on the enhanced data record, wherein the recordal of the asset on the security registrar system is for effecting public notice of the recordal of the asset;
transmitting, over the at least one communication interface, said one or more electronic signals for instructing the interface of the security registrar system to effect the public notice of the recordal of the asset
rendering. on the secure graphical interface. one or more graphical visual interface elements representing the extended dynamic data fields of the dynamically updated enhanced data record. the rendering triggered by the detection of the impairment trigger:
wherein the enhanced data record is maintained over a duration of time to dynamically size at least one of the first credit amount of the first data record or the second credit amount of the second data record based on the change in the one or more encumbrances indicated in the received asset data record..
As a result as listed in the 2A Prong One analysis claims 1, 21 fall within one of the groupings of abstract ideas. Specifically they belong to the grouping of certain methods of organizing human activity under fundamental economic principles or practice (including hedging and mitigating risk) as it recites dynamic monitoring of credit parameters. (refer to MPP 2106.04(a)(2)). Accordingly this claim recites an abstract idea.
Step 2A Prong Two: Applicant argues that even if the above cited amended claim limitations were directed to an abstract idea, they are directed to patent eligible subject matter since the independent claims includes additional elements that integrate the abstract idea into a practical application. The Applicant makes reference to the claimed architecture following in the amended independent claims that improves how the system maintains coupled records and enforces GUI state transitions in response to technical events. Specifically where the interface's behavior is constrained by and coordinated with specialized data structures and event triggers.
The Examiner disagrees, since the Applicant’ arguments are not persuasive.
The decision on whether a claim integrates the abstract idea into a practical application does not rest on whether the invention provides a practical application as colloquially used but rather whether there are recited additional elements in the claim that imposes a meaningful limit on the abstract idea..
The additional elements include mainly the functions of storing, and transmitting data using generic parts. According to the Examiner’s analysis the additional elements include:
Claims 1, 21 recite:
receiving, over the at least one communication interface, signals representing a first credit amount associated with an account profile record;
storing the first data record in the at least one storage device;
receiving an electronic registration request;
quering, over the at least one communication interface, at least one external database;
the at least one external database including one or more database records;
database record accessed over the at least one communication interface;
receiving, over the at least one communication interface, an asset data record;
one or more assets stored in the external database;
one or more database records accessed over the at least one communication interface, generating an enhanced data record as a data structure having extended dynamic data fields;
data record coupled toqether using a pointer data object. the pointer data object utilized during automatic monitoring of a shared allocation between the first data record and the second data record;
wherein the enhanced data record including the first data record and the second data record as the extended dynamic data fields. is processed by a downstream system as an encapsulated data package comprising instruction sets for provisioning of a product;
encapsulated data package;
generating one or more electronic signals for instructing an interface of a security registrar system for a recordal of the asset to be registered on the security registrar system;
transmitting, over the at least one communication interface, said one or more electronic signals for instructing the interface of the security registrar system to effect the public notice of the recordal of the asset;
rendering. on the secure graphical interface. one or more graphical visual interface elements representing the extended dynamic data fields of the dynamically updated enhanced data record. the rendering triggered by the detection of the impairment trigger;
dynamically size at least one of the first credit amount.
Claim 1 recites:
A computer system controlling rendering of a secure graphical user interface dynamically updated based on for dynamic monitoring of external database parameters;
at least one communication interface;
at least one storage device configured to store a plurality of data records;
at least one processor;
Claim 21 recites:
A computer-implemented method for dynamic monitoring of credit parameters.
amounting to additional elements that are recited at a high-level of generality such that it amounts to no more than mere instructions to implement an abstract idea on a computer, or merely use a computer as a tool to implement the abstract idea. (refer to MPEP 2106.05(f)) Accordingly, even in combination the additional elements of the claim do not provide an inventive concept (significantly more than the abstract idea) and hence the claim is ineligible.
In order for the claims to represent a practical idea the Applicant would have to demonstrate a technological improvement in the hardware or software to implement the abstract idea. This is neither present in the claims or the specification that uses generic computer elements to implement the abstract idea. Refer to [00166-00178] in the specification that only lists generic computer and software elements to implement the abstract idea.
In order to integrate the abstract idea into a practical idea the Applicant could demonstrate at least one of the conditions enumerated below applies:
Improvements to the functioning of a computer, or to any other technology or technical field - see MPEP 2106.05(a)
Applying the judicial exception with, or by use of, a particular machine - see MPEP 2106.05(b)
Effecting a transformation or reduction of a particular article to a different state or thing - see MPEP 2106.05(c)
Applying or using the judicial exception in some other meaningful way beyond generally linking the use of the judicial exception to a particular technological environment, such that the claim as a whole is more than a drafting effort designed to monopolize the exception - see MPEP 2106.05(e) and Vanda Memo
The Applicant has not demonstrated any of the above listed conditions
Step 2A Prong Two:
The analysis of Step 2B is similar to Step 2A Prong Two in that the additional elements as recited in claims 1, 21 and 40 amount to mere instructions to implement an abstract idea on a computer, or merely use a computer as a tool to implement the abstract idea. (refer to MPEP 2106.05(f)). Accordingly, the claim does not provide an inventive concept (significantly more than the abstract idea) and hence the claim is ineligible.
In order evaluate whether the claim recites additional elements that amount to an inventive concept what could be shown is:
Adding a specific limitation (unconventional other than what is well-understood, routine, conventional (WURC) activity in the field - see MPEP 2106.05(d)
The Applicant has not demonstrated the above listed condition
Therefore the 101 rejection is sustained.
For reasons of record and as set forth above, the examiner maintains the rejection of claims 1-8, 10-15, 21-24 and 40 as being directed to a judicial exception without significantly more, and thereby being directed to non-statutory subject matter under 35 USC §101. In reaching this decision, the Examiner considered all evidence presented and all arguments actually made by the Applicant.
Conclusion
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/PIERRE L MACCAGNO/Examiner, Art Unit 3687