DETAILED ACTION
Status of the Claims
The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA . The following is in response to an Amendment dated September 25, 2025. Claims 1, and 11 are amended. Claims 1-2, 4, 6-12, 14 and 16-24 are pending. All pending claims are examined.
Response to Arguments
101 Analysis
In line with the "2019 Revised Patent Subject Matter Eligibility Guidance," which explains how we must analyze patent-eligibility questions under the judicial exception to 35 U.S.C. § 101. 84 Fed. Reg. 50-57 ("Revised Guidance"), the first step of Alice (i.e., Office Step 2A) consists of two prongs. In Prong One, we must determine whether the claim recites a judicial exception, i.e., an abstract idea, a law of nature, or a natural phenomenon. 84 Fed. Reg. at 54 (Section III.A. I.). If it does not, the claim is patent eligible. Id.
An abstract idea must fall within one of the enumerated grouping of abstract ideas in the Revised Guidance or be a "tentative abstract idea, "with the latter situation predicted to be rare. Id. at 51-52 (Section I, enumerating three groupings of abstract ideas), 54
(Section III.A. I., describing Step 2A Prong One), 56-57 (Section III.D., explaining the identification of claims directed to a tentative abstract idea).
If a claim does recite a judicial exception, the next is Step 2A Prong Two, in which we must determine if the "claim as a whole integrates the recited judicial exception into a practical application of the exception." Id. at 54 (Section II.A.2.) If it does, the claim is patent eligible. Id.
If a claim recites a judicial exception but fails to integrate it into a practical application, we move to the second step of Alice (i.e., Office Step 2B). to evaluate the additional limitations of the claim, both individually and as an ordered combination, to determine whether they provide an inventive concept. Id. at 56 (Section III.B.). In particular, we look to whether the claim:
• Adds a specific limitation or combination of limitations that are not well-understood, routine, conventional in the field, which is indicative that an inventive concept may be present; or
• simply appends well-understood, routine, conventional activities previously known to the industry, specified at a high level of generality, to the judicial exception, which is indicative that an inventive concept may not be present.
An abstract idea deemed to be novel is no less abstract (see Flook- new mathematical formula was an abstract idea).
In accordance with judicial precedent and in an effort to improve consistency and predictability, the 2019 Revised Patent Subject Matter Eligibility Guidance extracts and synthesizes key concepts identified by the courts as abstract ideas to explain that the abstract idea exception includes the following groupings of subject matter, when recited as such in a claim limitation(s) (that is, when recited on their own or per se):
(b) Certain methods of organizing human activity—fundamental economic principles or practices (including hedging, insurance, mitigating risk); commercial or legal interactions (including agreements in the form of contracts; legal obligations; advertising, marketing or sales activities or
behaviors; business relations); managing personal behavior or relationships or interactions between people (including social activities, teaching, and following rules or instructions)1 – See Federal Register / Vol. 84, No. 4 / Monday, January 7, 2019 / p.52.
Step 1: The claims are directed to one or more of the following statutory categories: a process, a machine, a manufacture, and a composition of matter.
Claim 11, which is illustrative of the independent claim 1 recites:
“A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media, the method comprising:
receiving, by the one or more processors in real-time and through a computer network, a payment authorization for a first real-time transfer of a payment amount from a first financial institution, wherein:
the payment authorization is generated by the first financial institution based at least in part on a transaction associated with [[a]] the payment amount to a recipient and a release condition comprising at least one of (a) a predefined period of time has elapsed after the payment authorization is sent by the first financial institution to the one or more processors or is received by the one or more processors, (b) a predefined point in time has passed, or (c) a fund release instruction is received from a sender device [[that]] wherein
the first financial institution receives the release condition through the computer network from a sender via [[a]] the sender device;
the first financial institution is configured not to submit the payment authorization to the one or more processors after the first financial institution determines that at least one indication of a risk of bank crimes is associated with a sender account maintained by the first financial institution for the sender to reduce a likelihood of fraud committed against the sender account;
the first financial institution is further configured to submit the payment authorization to the one or more processors after the first financial institution performs a successful sender account verification for the payment amount against a risk of fraud associated with the sender account to reduce a likelihood of fraud committed against the sender account; wherein
the first financial institution performing the successful sender account verification comprises;
the first financial institution determining that no indications of the risk of bank crimes are associated with the sender account and
the payment authorization comprises the payment amount, a recipient account indicator, comprising a public key and does not comprise a bank account number to reduce a likelihood of fraud committed against a recipient account corresponding to the recipient account indicator and a fund withholding instruction for the payment amount and generated based on associated with the release condition for the payment amount,
after receiving the payment authorization and based at least in part on the fund withholding instruction, facilitating in real-time fraud prevention for the transaction by:
instructing, by the one or more processors through the computer network, a fund withholding financial institution that is different from a second financial institution that maintains the recipient account that is associated with the recipient account indicator for the payment amount, wherein the instructing causes the fund withholding financial institution to post in real-time the payment amount to a fund withholding account not accessible to the one or more processors and maintained by the fund withholding financial institution,
wherein the post in real-time occurs before a fund settlement of the payment amount occurs between the first financial institution and the fund withholding financial institution wherein;
while posted to the fund withholding account, the payment amount is not accessible to the recipient the one or more processors, the first financial institution, or the second financial institution:
causing a fund withholding notification to be transmitted, in real-time through the computer network, to a recipient device for the recipient, wherein the fund withholding notification is configured t to inform the recipient that the payment amount is posted to the fund withholding account;
receiving, by the one or more processors through the computer network and from the first financial institution, a decision regarding whether to release the payment amount to the recipient, wherein the decision is based on the release condition
and
determining whether the decision is to release the payment amount to the recipient;
when the decision is determined to not to release the payment amount to the recipient, instructing by the one or more processors through the computer network, the second financial institution to (a) cancel or (b) un-post the payment amount from the fund withholding account;
requesting an update about the decision from a condition determiner for the decision when it is determined that an update about the decision from a condition determiner will be requested;
causing a second real-time transfer of the payment amount
when at least one of (a) the predefined period of time has elapsed and it is determined that the update about the decision from the condition determiner will not be requested, (b) the predefined point in time has passed, or (c) the fund release instruction I received from the sender device
at least
instructing by the one or more processors through the computer network, (1) the fund withholding financial institution to debit in real-time the payment amount from the fund withholding account after receiving the decision[[;]] and (2) the second financial institution to post in real-time the payment amount to the recipient account after the payment amount is debited from the fund withholding account, wherein:
once posted to the recipient account, the payment amount is accessible to the recipient and is not accessible to the one or more processors, the fund withholding financial institution, or the first financial institution and
whether the payment amount is accessible to the recipient after the payment amount is posted to the recipient account is independent from whether the fund settlement of the payment amount has occurred between the first financial institution and the fund withholding financial institution;
and when the
wherein one or more of:
the one or more processors comprises one or more of: a cluster of processors or a cloud of processors; or
at least one of the fund withholding financial institution, the first financial institution, or the second financial institution comprises one or more of: a cluster of computers or a cloud of computers; and
one or more of: the successful sender account verification further comprises at least one of:
a lack of one or more outstanding disputes or claims against the sender account; or
a lack of a potential overdraw of the sender account, wherein the potential overdraw exists when a combined value of
(a) the one or more outstanding disputes or claims and (b) the payment amount is greater than a balance of the sender account; or the at least one indication of the risk of bank crimes associated with the sender account is determined based at least in part on one or more of:
a frequency of transactions associated with the sender account; a balance of the sender account; one or more disputes or claims of fraud against the sender account; a latest personal identifying information change for the sender account; or a frequency of personal identifying information changes for the sender account.”
Taking the broadest reasonable interpretation, the invention (as recited in claims 1-2, 4, 6-12, 14, 16-24) is directed towards a certain method of organizing human activity that is a fundamental economic practice or and commercial or legal interactions (including agreements in the form of contracts; legal obligations; advertising, marketing or sales activities or behaviors; business relations) of authorizing the transfer of funds held in and released from escrow based on predefined conditions being satisfied (App. Spec. paras.0018-0022, 0024-0029; see also paras. 0001-0002; Fig. 4).
Moreover, evaluating a request to determine if certain conditions are met is an example of steps performed by the human mind to verify the identity of parties to a transaction, because other than the generic components, nothing precludes these steps from practically being performed as a mental process.
The steps mimic human thought processes, perhaps with paper and pencil, where the data interpretation is perceptive only in the human mind(see also App. Spec. paras. 0019-0027). It suggests activity that represents longstanding conduct that existed well before the advent of computers and the internet. See CyberSource Corp. b. Retail Decisions, Inc., 654 F.3d 1366, 1375 (Fed. Cir. 2011) ("That purely mental processes can be unpatentable, even when performed by a computer, was precisely the holding of the Supreme Court in Gottschalk v. Benson.").
Mere automation of manual processes or increasing the speed of a process where these purported improvements come solely from the capabilities of a general-purpose computer is not sufficient to show an improvement in computer-functionality. See FairWarning IP, LLC v. Iatric Sys., Inc., 839 F.3d 1089, 1095 (Fed. Cir. 2016).
As a result, use of a computer to carry out a series of steps for which it had not previously been used does not improve the usefulness, or functionality, of the computer itself. Rather, as in SAP America, Inc. v. InvestPic, LLC, 898 F.3d 1161, 1169–70 (Fed. Cir. 2018), here the claim “limitations require no improved computer resources [Applicants] claims to have invented, just already available computers, with their already available basic functions, to use as tools in executing the claimed process.”
Beyond the abstract idea, the additional elements include the processor(s) and computer network (App. Spec. para. 0032, 0042; see also para. 0073; Fig. 6). The claims recite processors or computers which are described at a high level of generality and absent is any support for any improvements to the process of the transfer between parties and sources of funds to be received as result of these recited components. Each step does no more than require a generic computer to perform generic computer functions. The amendments to the claims describe in additional details of the transfer and the sequence of the steps, including time periods for the respective steps.
Absent is any support in the specification that the claims as recited require specialized computer hardware or other inventive computer components. The components as described without more or any evidence does not provide support for those steps to amount to an improvement.
Unlike DDR where the improvement was to a computer centric problem, a specific improvement to the way computers operate as a result of their interactions with the internet, in this case of authorization of funds transfer from an escrow account, absent is any support for a similar improvement. The claims as recited seem to suggest no more than automating the process of processing the funds transfer based on predefined criteria or instructions.
The instructions describe the conditions under which a funds transfer is executed via a verification process of the request in which the financial institutions that perform different functions. However, absent is any evidence of executing these steps beyond a general purpose computer or an invention that reflects an improved interface. (cf. with Trading Technology where the display was found to be a graphical user interface that required a specific, structured GUI paired with a prescribed functionality directly related to the GUI’s structure that is addressed to and resolves a specific identified problem).
2B - The next step is whether the claims provide an inventive concept because the additional elements recited in the claims provide significantly more than the recited judicial exception.
Using a computer for data gathering, generation, analysis and evaluating conditions for funds transfer is one of the most basic functions of a computer. All of these computer functions are generic computer activities that are performed only for their conventional uses. See Elec. Power Grp. v. Alstom S.A., 830 F.3d 1350, 1353 (Fed. Cir. 2016). Also see In re Katz Interactive Call Processing Patent Litigation, 639 F.3d 1303, 1316 (Fed. Cir. 2011) ("Absent a possible narrower construction of the terms 'processing,' 'receiving, ' and 'storing,
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those functions can be achieved by any general purpose computer without special programming").
Each step does no more than require a generic computer to perform generic computer functions. Considered as ordered combination, the computer components of the claims as recited add nothing that is not already present when the steps are considered separately (generic computer components - see Spec. paras. 0073-0078 -- standard off-the-shelf computer components suggesting the merely applying the judicial exception using computers as tools). The purported inventive concept resides in the order or sequence of the funds transfer and not in how the processing technologically achieves those results.
The dependent claims 2, 4, 6-10, 12, 14 and 16-24, for example claims 12, 14 and 16 provide additional details about the financial institution, the sequence of the fund release conditions and about the sender and receiving accounts in a manner that merely refines and further limits the abstract ideas of independent claims 1 and 11 and do not add any feature that is an “inventive concept” which cures the deficiencies of the independent claim.
None of the additional elements taken individually or when taken as an ordered combination amount to significantly more than the abstract idea. Accordingly, the dependent claims are patent-ineligible. Examiner maintains the 101 rejection of claims 1-2, 4, 6-12, 14 and 16-24.
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 1-2, 4, 6-12, 14 and 16-24 are rejected under 35 U.S.C. 101 because the claimed invention is directed to a judicial exception (abstract idea) without significantly more.
Claim 11: Ineligible
Claim 11 is illustrative of the claimed invention and is rejected under 35 U.S.C. 101 because the claimed invention is directed to abstract idea without significantly more. The claim recites abstract idea of organizing human activities. This judicial exception is not integrated into a practical application and the claim(s) does/do not include additional elements that are sufficient to amount to significantly more than the judicial exception.
Analysis
The claims are directed to one or more of the following statutory categories: a process, a machine, a manufacture, and a composition of matter. For claim 11 which is illustrative of claim 1, recites an abstract idea of funds transfer.
This is an abstract idea of a certain method of organizing human activity, since it recites a fundamental economic practice, funds transfer through an intermediary, funds holding system and or commercial or legal interactions (including agreements in the form of contracts; legal obligations; advertising, marketing or sales activities or behaviors; business relations) of authorizing the transfer of funds held in and released from escrow based on predefined conditions being satisfied
The claims, which recite:
“A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media, the method comprising:
receiving, by the one or more processors in real-time and through a computer network, a payment authorization for a first real-time transfer of a payment amount from a first financial institution, wherein:
the payment authorization is generated by the first financial institution based at least in part on a transaction associated with [[a]] the payment amount to a recipient and a release condition comprising at least one of (a) a predefined period of time has elapsed after the payment authorization is sent by the first financial institution to the one or more processors or is received by the one or more processors, (b) a predefined point in time has passed, or (c) a fund release instruction is received from a sender device [[that]] wherein
the first financial institution receives the release condition through the computer network from a sender via [[a]] the sender device;
the first financial institution is configured not to submit the payment authorization to the one or more processors after the first financial institution determines that at least one indication of a risk of bank crimes is associated with a sender account maintained by the first financial institution for the sender to reduce a likelihood of fraud committed against the sender account;
the first financial institution is further configured to submit the payment authorization to the one or more processors after the first financial institution performs a successful sender account verification for the payment amount against a risk of fraud associated with the sender account to reduce a likelihood of fraud committed against the sender account; wherein
the first financial institution performing the successful sender account verification comprises;
the first financial institution determining that no indications of the risk of bank crimes are associated with the sender account and
the payment authorization comprises the payment amount, a recipient account indicator, comprising a public key and does not comprise a bank account number to reduce a likelihood of fraud committed against a recipient account corresponding to the recipient account indicator and a fund withholding instruction for the payment amount and generated based on associated with the release condition for the payment amount,
after receiving the payment authorization and based at least in part on the fund withholding instruction, facilitating in real-time fraud prevention for the transaction by:
instructing, by the one or more processors through the computer network, a fund withholding financial institution that is different from a second financial institution that maintains the recipient account that is associated with the recipient account indicator for the payment amount, wherein the instructing causes the fund withholding financial institution to post in real-time the payment amount to a fund withholding account not accessible to the one or more processors and maintained by the fund withholding financial institution,
wherein the post in real-time occurs before a fund settlement of the payment amount occurs between the first financial institution and the fund withholding financial institution wherein;
while posted to the fund withholding account, the payment amount is not accessible to the recipient the one or more processors, the first financial institution, or the second financial institution:
causing a fund withholding notification to be transmitted, in real-time through the computer network, to a recipient device for the recipient, wherein the fund withholding notification is configured t to inform the recipient that the payment amount is posted to the fund withholding account;
receiving, by the one or more processors through the computer network and from the first financial institution, a decision regarding whether to release the payment amount to the recipient, wherein the decision is based on the release condition
and
determining whether the decision is to release the payment amount to the recipient;
when the decision is determined to not to release the payment amount to the recipient, instructing by the one or more processors through the computer network, the second financial institution to (a) cancel or (b) un-post the payment amount from the fund withholding account;
requesting an update about the decision from a condition determiner for the decision when it is determined that an update about the decision from a condition determiner will be requested;
causing a second real-time transfer of the payment amount
when at least one of (a) the predefined period of time has elapsed and it is determined that the update about the decision from the condition determiner will not be requested, (b) the predefined point in time has passed, or (c) the fund release instruction I received from the sender device
at least
instructing by the one or more processors through the computer network, (1) the fund withholding financial institution to debit in real-time the payment amount from the fund withholding account after receiving the decision[[;]] and (2) the second financial institution to post in real-time the payment amount to the recipient account after the payment amount is debited from the fund withholding account, wherein:
once posted to the recipient account, the payment amount is accessible to the recipient and is not accessible to the one or more processors, the fund withholding financial institution, or the first financial institution and
whether the payment amount is accessible to the recipient after the payment amount is posted to the recipient account is independent from whether the fund settlement of the payment amount has occurred between the first financial institution and the fund withholding financial institution;
and when the
wherein one or more of:
the one or more processors comprises one or more of: a cluster of processors or a cloud of processors; or
at least one of the fund withholding financial institution, the first financial institution, or the second financial institution comprises one or more of: a cluster of computers or a cloud of computers; and
one or more of: the successful sender account verification further comprises at least one of:
a lack of one or more outstanding disputes or claims against the sender account; or
a lack of a potential overdraw of the sender account, wherein the potential overdraw exists when a combined value of
(a) the one or more outstanding disputes or claims and (b) the payment amount is greater than a balance of the sender account; or the at least one indication of the risk of bank crimes associated with the sender account is determined based at least in part on one or more of:
a frequency of transactions associated with the sender account; a balance of the sender account; one or more disputes or claims of fraud against the sender account; a latest personal identifying information change for the sender account; or a frequency of personal identifying information changes for the sender account.”
This describes the steps a person would take to transfer money or make a payment from a payor to a payee where the funds are held in escrow and the funds released to the recipient when certain predefined conditions agreed to by the parties are satisfied. Besides reciting the abstract idea, the remaining claim limitations is the computer network which is described in terms that suggest ir comprises generic computer components (e.g. processors (see App Spec. paras. 0073-0077).
Further, the dependent claims 2, 4, 6-10, 12, 14 and 16-24, for example, recite additional details about the release of funding conditions and about the sender and receiving accounts, however the recited abstract idea is not integrated into a practical application. In particular, the claims only recite generic computer components (e.g. general-purpose computer systems based on the processors) to evaluate the submitted transfer of funds request to determine if the predefined conditions have been met to authorize their release to the receiving account.
These additional elements are recited at a high-level of generality such that they amount to no more than mere instructions to apply the exception using generic computer components.
Accordingly, these additional elements do not integrate the abstract idea into a practical application because they do not impose any meaningful limits on practicing the abstract idea. Therefore, the claim is directed to an abstract idea.
The claim does not include additional elements that are sufficient to amount to significantly more than the judicial exception. As discussed above with respect to integration of the abstract idea into a practical application, the additional elements amount to no more than mere instructions to apply the abstract idea using generic computer components.
In conclusion, merely “applying” the exception using generic computer components cannot provide an inventive concept. Therefore, Independent claims 1 and 11 and the dependent claims 2, 4, 6-10 and 12, 14, 16-24 are not patent eligible under 35 USC 101.
Conclusion
THIS ACTION IS MADE FINAL. Applicant is reminded of the extension of time policy as set forth in 37 CFR 1.136(a).
A shortened statutory period for reply to this final action is set to expire THREE MONTHS from the mailing date of this action. In the event a first reply is filed within TWO MONTHS of the mailing date of this final action and the advisory action is not mailed until after the end of the THREE-MONTH shortened statutory period, then the shortened statutory period will expire on the date the advisory action is mailed, and any nonprovisional extension fee (37 CFR 1.17(a)) pursuant to 37 CFR 1.136(a) will be calculated from the mailing date of the advisory action. In no event, however, will the statutory period for reply expire later than SIX MONTHS from the mailing date of this final action.
Any inquiry concerning this communication or earlier communications from the examiner should be directed to CHIKA OJIAKU whose telephone number is (571)270-3608. The examiner can normally be reached Monday - Friday: 8.30 AM -5:00 PM EST.
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/CHIKAODINAKA OJIAKU/Primary Examiner, Art Unit 3696
1 Interval Licensing, 896 F.3d at 1344–45 (concluding that ‘‘[s]tanding alone, the act of providing someone an additional set of information without disrupting the ongoing provision of an initial set of information is an abstract idea,’’ observing that the district court ‘‘pointed to the nontechnical human activity of passing a note to a person who is in the middle of a meeting or conversation as further illustrating the basic, longstanding practice that is the focus of the [patent ineligible] claimed invention.’’); Voter Verified, Inc. v. Election Systems & Software, LLC, 887 F.3d 1376, 1385 (Fed. Cir. 2018) (finding the concept of ‘‘voting, verifying the vote, and submitting the vote for tabulation,’’ a ‘‘fundamental activity’’ that humans have performed for hundreds of years, to be an abstract idea);
In re Smith, 815F.3d 816, 818 (Fed. Cir. 2016) (concluding that ‘‘[a]pplicants’ claims, directed to rules for conducting a wagering game’’ are abstract).
14 If a claim, under its broadest reasonable interpretation, covers performance in the mind but for the recitation of generic computer components, then it is still in the mental processes category unless the claim cannot practically be performed in the mind. See Intellectual Ventures I LLC v. Symantec Corp., 838 F.3d 1307, 1318 (Fed. Cir . 2016) (‘‘[W]ith the exception of generic computer-implemented steps, there is nothing in the claims themselves that foreclose them from being performed by a human, mentally or with pen and paper.’’); Mortg. Grader, Inc. v. First Choice Loan Servs. Inc., 811 F.3d. 1314, 1324 (Fed. Cir. 2016)(holding that computer-implemented method for ‘‘anonymous loan shopping’’ was an abstract idea because it could be ‘‘performed by humans without a computer’’); Versata Dev. Grp. v. SAP Am., Inc., 793 F.3d 1306, 1335 (Fed. Cir. 2015) (‘‘Courts have examined claims that required the use of a computer and still found that the underlying, patent-ineligible invention could be performed via pen and paper or in a person’s mind.’’); CyberSource Corp. v. Retail Decisions, Inc., 654 F.3d 1366, 1375, 1372 (Fed. Cir. 2011) (holding that the incidental use of ‘‘computer’’ or ‘‘computer readable medium’’ does not make a claim otherwise directed to process that ‘‘can be performed in the human mind, or by a human using a pen and paper’’ patent eligible); id. at 1376 (distinguishing Research Corp. Techs. v. Microsoft Corp., 627 F.3d 859 (Fed. Cir. 2010), and SiRF Tech., Inc. v. Int’l Trade Comm’n, 601 F.3d 1319 (Fed. Cir. 2010), as directed to inventions that ‘‘could not, as a practical matter, be performed entirely in a human’s mind’’). Likewise, performance of a claim limitation using generic computer components does not necessarily preclude the claim limitation from being in the mathematical concepts grouping, Benson, 409 U.S.at 67, or the certain methods of organizing human activity grouping, Alice, 573 U.S. at 219–20 - – See Federal Register / Vol. 84, No. 4 / Monday, January 7, 2019