Prosecution Insights
Last updated: April 17, 2026
Application No. 18/122,681

Protecting the value of real property using options and the capital markets

Non-Final OA §101
Filed
Mar 16, 2023
Examiner
KAZIMI, HANI M
Art Unit
3691
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
unknown
OA Round
1 (Non-Final)
48%
Grant Probability
Moderate
1-2
OA Rounds
4y 11m
To Grant
67%
With Interview

Examiner Intelligence

Grants 48% of resolved cases
48%
Career Allow Rate
275 granted / 570 resolved
-3.8% vs TC avg
Strong +18% interview lift
Without
With
+18.4%
Interview Lift
resolved cases with interview
Typical timeline
4y 11m
Avg Prosecution
41 currently pending
Career history
611
Total Applications
across all art units

Statute-Specific Performance

§101
42.5%
+2.5% vs TC avg
§103
25.8%
-14.2% vs TC avg
§102
10.3%
-29.7% vs TC avg
§112
9.7%
-30.3% vs TC avg
Black line = Tech Center average estimate • Based on career data from 570 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 The following is a Non-Final office action on the merits in response to the application filed on 16 March 2023. Claims 1-16 are currently pending. The rejections are as stated below. 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 1-16 are rejected under 35 U.S.C. 101 because the claimed invention is directed to non-statutory subject matter. In particular, claims are directed to a judicial exception (abstract idea) without significantly more. Claim 1 (exemplary) recites a series of steps for protecting the value of real estate property and using probability distribution to aid the user in making decisions regarding a real estate property. The claim is directed to a process, which is a statutory category of invention. The claim is then analyzed to determine whether it is directed to a judicial exception. The claim recites the limitations of defining by a user a range of input parameter values as attributes related to the real estate property; simulating a plurality of random samples of the input parameter values defined for the attributes related to the real estate property; simulating a probability distribution of possible outcomes; and storing the probability distribution in the database, wherein the probability distribution aids a user in making decisions regarding real estate property. The claimed system simply describes series of steps for protecting the value of real estate property and using probability distribution to aid the user in making decisions regarding a real estate property. These limitations, as drafted, are processes that, under its broadest reasonable interpretation, covers performances and concepts relating to fundamental economic principles or practices/commercial interactions that enhance customer experience with making decisions regarding real estate properties, and, therefore, fall within the certain methods of organizing human activity category of the USPTO’s Guidance. See 2019 Revised Guidance, 84 Fed. Reg. at 52 n.14. In this case, the fundamental economic principle or practice is the common practice of defining by a user a range of input parameter values as attributes related to a real estate property, using input parameter values related to the real estate property, and using probability distribution of possible outcomes to assist a user in making decisions regarding the real estate property. These limitations are directed to an abstract idea because they fall within the enumerated group of “certain methods of organizing human activity” in the 2019 PEG. Next, the claim is analyzed to determine if it is integrated into a practical application. The recited judicial exception may be integrated into a practical application by identifying whether there are any additional elements recited in the claim beyond the judicial exception and evaluating those additional elements individually and in combination to determine whether they integrate the exception into a practical application. The claim recites additional limitation of a computing device with software including a predictive model and a database to perform the steps. The processor and terminal in the steps are recited at a high level of generality, i.e., as a generic processor performing a generic computer function of processing data. This generic processor limitation is no more than mere instructions to apply the exception using generic computer component. Merely adding generic computer components to perform abstract ideas does not integrate those ideas into a practical application. See 2019 Revised Guidance, 84 Fed. Reg. at 55 (identifying “merely includ[ing] instructions to implement an abstract idea on a computer” as an example of when an abstract idea has not been integrated into a practical application). Also, these limitations are an attempt to limit the abstract idea to a particular technological environment. 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. The claim is directed to the abstract idea. Next, the claim is analyzed to determine if there are additional claim limitations that individually, or as an ordered combination, ensure that the claim amounts to significantly more than the abstract ideas (whether claim provides inventive concept). As discussed above, the recitation of the claimed limitations amounts to mere instructions to implement the abstract idea on a computer (using the computer as a tool to implement the abstract idea). Taking the additional elements individually and in combination, the computer at each step of the process performs purely generic computer functions. As such, there is no inventive concept sufficient to transform the claimed subject matter into a patent-eligible application. The same analysis applies here, i.e., mere instructions to apply an exception using a generic computer component cannot integrate a judicial exception into a practical application at or provide an inventive concept. Viewing the limitations as an ordered combination does not add anything further than looking at the limitations individually. When viewed either individually, or as an ordered combination, the additional limitations do not amount to significantly more than the abstract idea itself. Therefore, the claim does not amount to significantly more than the recited abstract idea. Therefore, the claim is not patent eligible. The analysis above applies to the statutory category of invention of claims 1, 7 and 14. Furthermore, the dependent claims 2-6, 8-13, 15 and 16 do not resolve the issues raised in the independent claims. The dependent claims do not add limitations that meaningfully limit the abstract idea. Dependent claims 2-6, 8-13, 15 and 16, recite additional limitations and steps. However, as mentioned above with respect to the independent claims, the claimed limitations are no more than mere instructions to apply the exception using generic computer component. Also, these limitations are an attempt to limit the abstract idea to a particular technological environment. Accordingly, the 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. The claim is directed to the abstract idea. These claims do not include additional elements that are sufficient to amount to significantly more than the judicial exception because the additional elements are simply steps performed by a generic computer. The claim merely amounts to the application or instructions to apply the abstract idea on a device, and is considered to amount to nothing more than requiring a generic device to merely carry out the abstract idea itself. The dependent claims do not impart patent eligibility to the abstract idea of the independent claims. Therefore, none of the dependent claims alone or as an ordered combination add limitations that qualify as integrating the abstract idea into a practical application or amounts to significantly more than the abstract idea itself. Accordingly, claims 1-16 are rejected as ineligible for patenting under 35 U.S.C. 101 based upon the same analysis. Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. Kroutik (US 2009/0089217 A1) discloses an electronic system--and associated method--for creating, marketing, and selling real estate options, represented by an option contracts for individual real estate parcels. Any inquiry concerning this communication or earlier communications from the examiner should be directed to Hani Kazimi whose telephone number is (571) 272-6745. The examiner can normally be reached Monday-Friday from 8:30 AM to 5:00 PM. 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, Abhishek Vyas can be reached on (571) 270-1836. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of published or unpublished applications may be obtained from Patent Center. Unpublished application information in Patent Center is available to registered users. To file and manage patent submissions in Patent Center, visit: https://patentcenter.uspto.gov. Visit https://www.uspto.gov/patents/apply/patent-center for more information about Patent Center and https://www.uspto.gov/patents/docx for information about filing in DOCX format. For additional questions, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. Respectfully Submitted /HANI M KAZIMI/ Primary Examiner, Art Unit 3691
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Prosecution Timeline

Mar 16, 2023
Application Filed
Oct 18, 2025
Non-Final Rejection — §101 (current)

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Study what changed to get past this examiner. Based on 5 most recent grants.

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Prosecution Projections

1-2
Expected OA Rounds
48%
Grant Probability
67%
With Interview (+18.4%)
4y 11m
Median Time to Grant
Low
PTA Risk
Based on 570 resolved cases by this examiner. Grant probability derived from career allow rate.

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