Prosecution Insights
Last updated: May 29, 2026
Application No. 18/101,651

SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR USING IMAGES TO EVALUATE PROPERTY DAMAGE CLAIMS AND PERFORM RELATED ACTIONS

Non-Final OA §101
Filed
Jan 26, 2023
Priority
Nov 17, 2015 — provisional 62/256,415 +1 more
Examiner
APPLE, KIRSTEN SACHWITZ
Art Unit
3693
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
State Farm Mutual Automobile Insurance Company
OA Round
1 (Non-Final)
61%
Grant Probability
Moderate
1-2
OA Rounds
0m
Est. Remaining
66%
With Interview

Examiner Intelligence

Grants 61% of resolved cases
61%
Career Allowance Rate
366 granted / 601 resolved
+8.9% vs TC avg
Minimal +5% lift
Without
With
+4.6%
Interview Lift
resolved cases with interview
Typical timeline
3y 5m
Avg Prosecution
20 currently pending
Career history
624
Total Applications
across all art units

Statute-Specific Performance

§101
15.9%
-24.1% vs TC avg
§103
69.5%
+29.5% vs TC avg
§102
3.4%
-36.6% vs TC avg
§112
0.8%
-39.2% vs TC avg
Black line = Tech Center average estimate • Based on career data from 601 resolved cases

Office Action

§101
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 This action is in response to the application filed on 1/26/2023. Priority Acknowledgment is made of applicant's claim for prior priority dates including: This application is a CON of 15/348,479 11/10/2016 ABN 15/348,479 has PRO 62/256,415 11/17/2015 Double Patenting The nonstatutory double patenting rejection is based on a judicially created doctrine grounded in public policy (a policy reflected in the statute) so as to prevent the unjustified or improper timewise extension of the "right to exclude" granted by a patent and to prevent possible harassment by multiple assignees. See In re Goodman, 11 F.3d 1046, 29 USPQ2d 2010 (Fed. Cir. 1993); In re Longi, 759 F.2d 887, 225 USPQ 645 (Fed. Cir. 1985); In re Van Ornum, 686 F.2d 937, 214 USPQ 761 (CCPA 1982); In re Vogel, 422 F.2d 438, 164 USPQ 619 (CCPA 1970); and In re Thorington, 418 F.2d 528, 163 USPQ 644 (CCPA 1969). A timely filed terminal disclaimer in compliance with 37 CFR 1.321(c) may be used to overcome an actual or provisional rejection based on a nonstatutory double patenting ground provided the conflicting application or patent is shown to be commonly owned with this application. See 37 CFR 1.130(b). Effective January 1, 1994, a registered attorney or agent of record may sign a terminal disclaimer. A terminal disclaimer signed by the assignee must fully comply with 37 CFR 3.73(b). All claims are rejected under the judicially created doctrine of obviousness-type double patenting as being unpatentable over claims of U.S. Patent 10,346,924. Although the conflicting claims are not identical, they are not patentably distinct from each other because both sets of claims speak to to receiving and processing image data for insurance. Regarding claim 1, the language within this claim can be found within claim 1 of U.S. Patent No. 10,346,924. 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. All claims are rejected under 35 U.S.C. 101 because the claimed invention is directed to an abstract idea without significantly more. All claims are directed to a system, method, or product, which are/is one of the statutory categories of invention. (Step 1: YES). The Examiner has identified independent method Claim 21 (herein called the Primary Independent Claim) as the claim that represents the claimed invention for analysis and is similar to independent system Claim 39 and product Claim 37 (herein called Additional Independent Claims). The Primary Independent Claim recites the limitations of generating, by a processor, a set of image models based on images of a plurality of properties using a machine learning technique prior to assessing damage to the property, each image model of the image models being associated with a property type; storing in a memory the set of image models; receiving, by the processor, image data depicting the damage to the property; identifying, by the processor, at least one characteristic associated with the property in the image data using the set of image models; determining, by the processor, a type of the property depicted in the image data based upon the at least one identified characteristic; selecting, by the processor and from the memory, an image model from the set of image models based upon the type of the property; determining, by the processor, an amount of damage to the property as indicated in the image data by analyzing the image data using the selected image model; and initiating one or more actions related to the damage to the property. These limitations, under their broadest reasonable interpretation, cover performance of the limitation as “Certain Methods of Organizing Human Activity”. The limitation of at least “generating, a set of image models” recites a fundamental economic practice. If a claim limitation, under its broadest reasonable interpretation, covers performance of the limitation as a fundamental economic practice, then it falls within the “Certain Methods of Organizing Human Activity” grouping of abstract ideas. Accordingly, the claim recites an abstract idea. The limitation of at least “by a processor, using a machine learning technique” in the Primary Independent Claim is just applying generic computer components to the recited abstract limitations. The recitation of generic computer components in a claim does not necessarily preclude that claim from reciting an abstract idea. The Additional Independent Claims are also abstract for similar reasons. (Step 2A-Prong 1: YES. The claims recite an abstract idea) This judicial exception is not integrated into a practical application. The examiner did not find any additional elements that would cause further analysis. The computer hardware/software is/are recited at a high-level of generality (i.e., as a generic processor performing a generic computer function) such that it amounts no more than mere instructions to apply the exception using a generic computer component. Accordingly, these additional elements, when considered separately and as an ordered combination, do not integrate the abstract idea into a practical application because they do not impose any meaningful limits on practicing the abstract idea and are at a high level of generality. Therefore, all the independent claims are directed to an abstract idea without a practical application. (Step 2A-Prong 2: NO. The additional claimed elements are not integrated into a practical application) The claims do not include additional elements that are sufficient to amount to significantly more than the judicial exception because, when considered separately and as an ordered combination, they do not add significantly more (also known as an “inventive concept”) to the exception. As discussed above with respect to integration of the abstract idea into a practical application, the additional element of using a computer hardware and software per se amounts to no more than mere instructions to apply the exception using a generic computer component. Mere instructions to apply an exception using a generic computer component cannot provide an inventive concept. See MPEP 2106.05(f) where applying a computer as a tool is not indicative of significantly more as well as MPEP 2106.05(d). Accordingly, these additional elements, do not change the outcome of the analysis, when considered separately and as an ordered combination. Thus, all independent claims are not patent eligible. (Step 2B: NO. The claims do not provide significantly more) Dependent claims further define the abstract idea that is present in their respective independent claims, and thus correspond to Certain Methods of Organizing Human Activity and hence are abstract for the reasons presented above. The dependent claims do not include any additional elements that integrate the abstract idea into a practical application or are sufficient to amount to significantly more than the judicial exception when considered both individually and as an ordered combination. Therefore, the dependent claims are directed to an abstract idea. Thus, all the claims are not patent-eligible. Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. Collins et al., U.S. Patent Pub 2009/0265193, discloses a systems for automated property insurance inspection include a remote inspection device having video inspection equipment capable of providing video images of property for use by an insurance company. Peak et al., U.S. Patent Pub 2011/0213628, teaches a methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user's location identified by user location data may be received over a communications network. Contact Information Any inquiry concerning this communication or earlier communications from the examiner should be directed to Kirsten Apple whose telephone number is (571)272-5588. The examiner can normally be reached on M-F 9-5. Examiner interviews are available via telephone, in-person, and video conferencing using a USPTO supplied web-based collaboration tool. To schedule an interview, applicant is encouraged to use the USPTO Automated Interview Request (AIR) at http://www.uspto.gov/interviewpractice. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Michael Anderson can be reached on (571) 270-0508. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of an application may be obtained from the Patent Application Information Retrieval (PAIR) system. Status information for published applications may be obtained from either Private PAIR or Public PAIR. Status information for unpublished applications is available through Private PAIR only. For more information about the PAIR system, see https://ppair-my.uspto.gov/pair/PrivatePair. Should you have questions on access to the Private PAIR system, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative or access to the automated information system, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. /KIRSTEN S APPLE/Primary Examiner, Art Unit 3698
Read full office action

Prosecution Timeline

Jan 26, 2023
Application Filed
Apr 24, 2024
Non-Final Rejection mailed — §101
Dec 26, 2024
Response after Non-Final Action

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12567043
STATUS INFORMATION FOR FINANCIAL TRANSACTIONS
1y 11m to grant Granted Mar 03, 2026
Patent 12561658
Interoperable System, Method, and Computer Program Product for Dispensing Funds
2y 10m to grant Granted Feb 24, 2026
Patent 12548076
CASCADING INITIAL PUBLIC OFFERINGS OR SPECIAL PURPOSE ACQUISITIONS COMPANIES FOR CORPORATE CAPITALIZATION
3y 5m to grant Granted Feb 10, 2026
Patent 12541800
IMAGE-BASED PROCESSING FOR PRODUCTS
1y 11m to grant Granted Feb 03, 2026
Patent 12541754
CONTEXT-AWARE PEER-TO-PEER TRANSFERS OF ITEMS
1y 9m to grant Granted Feb 03, 2026
Study what changed to get past this examiner. Based on 5 most recent grants.

Strategy Recommendation AI-generated — please review before filing

Get a prosecution strategy drawn from examiner precedents, rejection analysis, and claim mapping.
Typically takes 5-10 seconds — AI-generated, attorney review required before filing

Prosecution Projections

1-2
Expected OA Rounds
61%
Grant Probability
66%
With Interview (+4.6%)
3y 5m (~0m remaining)
Median Time to Grant
Low
PTA Risk
Based on 601 resolved cases by this examiner. Grant probability derived from career allowance rate.

Sign in with your work email

Enter your email to receive a magic link. No password needed.

Personal email addresses (Gmail, Yahoo, etc.) are not accepted.

Free tier: 3 strategy analyses per month