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 in reply to the RCE filed on 11/10/2025. Claim 1 has been amended. Claims 1-9, 13-15 and 20-31 are currently pending and have been examined.
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 1-9, 13-15 and 20-31 are rejected under 35 U.S.C. 101 because the claimed invention is directed to an abstract idea without significantly more. A Section 101 analysis is below.
Step 1 – are the claims directed to a process, machine, manufacture or composition of matter. The apparatus of claim 1 is within the statutory categories of invention. For the purposes of this analysis, representative claim 1 is addressed.
Step 2A, prong one – do the claims recite a judicial exception, which is an abstract idea enumerated in MPEP 2106, a law of nature, or a natural phenomenon. Abstract ideas are in bold below, and represent the abstract idea of certain methods of organizing human activity of the commercial or legal interaction of the business relation of providing access to a wealth management function in response to an access profile for the purpose, as discussed in Applicant’s specification, [0136], of granting access to a platform based on permissions and enrollment. Please see MPEP 2106.04(a)(2)(II)(B).
1. An apparatus comprising: an access initialization circuit structured to interpret at least one user class value for a user accessing an online platform having a plurality of wealth management functions, wherein the at least one user class value corresponds to at least one class of a plurality of user classes, the plurality of user classes comprising a client class, an agent class, and an administrator class;
an access management circuit structured to determine a scheduled access profile in response to the at least one user class value, wherein the scheduled access profile includes a permitted functions description indicative of at least one permitted wealth management function within the plurality of wealth management functions accessible to the user and the permitted functions description is updated based on progression through a plurality of enrollment stages to provide stage-specific permissions for accessing wealth management functions; and
a user interface circuit structured to implement a user interface that includes: a session menu region arranged with clickable hyperlinks corresponding to the permitted wealth management functions, and an activity region configured to display wealth management structures in response to hyperlink selection, wherein the user interface circuit configures sizes and anchor points of the session menu region and the activity region according to an interface layout;
an analytics interface circuit structured to compute at least one enrollment progression statistic or completion statistic based on agglomerated activity data and enrollment stage data; and
a configuration management circuit configured to update the scheduled access profile by deploying an alternative configuration in response to the computed statistic;
wherein the user interface is configured to provide scheduled access to the at least one permitted wealth management function in response to the scheduled access profile and the active enrollment stage.
Step 2A, prong two – do the claims recite additional elements that integrate the judicial exception into a practical application. Integration of the judicial exception into a practical application requires an additional element or a combination of additional elements in the claim to apply, rely on, or use the judicial exception in a manner that imposes a meaningful limit on the judicial exception, such that the claim is more than a drafting effort designed to monopolize the exception. The additional elements are considered as follows:
The “access initialization circuit”, “online”, “access management circuit”, “user interface circuit”, “hyperlink”, “analytics interface circuit”, “configuration management circuit”. Referring to MPEP 2106.05(f), the preceding recited additional elements are no more than mere instructions to implement an abstract idea or other exception on a computer. The computer components are recited at a high-level of generality (e.g., to receive, store, or transmit data) such that it amounts no more than mere instructions to apply the exception using generic computer components. Accordingly, the additional elements do not integrate the abstract idea into a practical application because it does not impose any meaningful limits on practicing the abstract idea. Please see MPEP 2106.05(f)(1) discussing when the claim recites only the idea of a solution or outcome i.e., the claim fails to recite details of how a solution to a problem is accomplished this does not show integration into a practical application. Please see MPEP 2106.05(f)(2) discussing when the claim invokes computers or other machinery merely as a tool to perform an existing process including use of a computer or other machinery for economic tasks this does not show integration into a practical application.
The step of “configures sizes and anchor points of the session menu region and the activity region according to an interface layout”. Referring to MPEP 2106.05(g), the preceding recited additional element is no more than insignificant extra-solution activity amounting to no more than insignificant application.
Step 2B – do the claims recited additional elements that 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 exception using generic computer components. Mere instructions to apply an exception using a generic computer component cannot provide an inventive concept. The computer components implementing the abstract idea appear to be generic in view of at least Applicant’s specification, [0132]. Focusing on the additional element of “configures sizes and anchor points of the session menu region and the activity region according to an interface layout” identified as extra solution activity above, evidence that this element is well understood, routine and conventional can be found in Tyulyaev (US 2005/0256797) ([0048]) and Busby (US 2008/0071663) ([0075]).
In view of the above analysis, independent claim 1 is not patent eligible. Dependent claims 2-9, 13-15 and 20-31 do not cure the deficiencies in their respective base claims. Specifically, claims 2-9, 13-15 and 20-31 merely refine the abstract idea (2A1) by invoking a computer as a tool to perform an existing process (2A2, 2B). Regarding the further additional elements in the dependent claims including selected function menu region (claim 5), wealth management analysis tool, set of wealth management data, interactive analytics portal, investment selection portal, user information modification tool (claim 6), wealth management analysis tool, data visualization, data illustration (claim 7); enrollment status tool, enrollment document access tool (claim 8), offer presentation interface, offer creation tool, offer acceptance interface, carrier product management interface, estimator integration interface, estimator calculation interface, client profile integration tool, client questionnaire creation tool, client questionnaire completion tool, DocuSign interface tool, application completion tool, application review and approval tool, client management tool, portfolio management tool, payment processing tool (claim 9); data store, device (claim 14); selected format for messaging and notification, display options for the user interface (claim 15); display screen, first area, second area (claim 20), web portal, mobile application, proprietary installed application (claim 22); read-only functions, read-write functions (claim 28), please see MPEP 2106.05(f)(2) discussing when the claim invokes computers or other machinery merely as a tool to perform an existing process including use of a computer or other machinery for economic tasks this does not show integration into a practical application or provide significantly more.
Claim Rejections - 35 USC § 103
In the event the determination of the status of the application as subject to AIA 35 U.S.C. 102 and 103 (or as subject to pre-AIA 35 U.S.C. 102 and 103) is incorrect, any correction of the statutory basis (i.e., changing from AIA to pre-AIA ) for the rejection will not be considered a new ground of rejection if the prior art relied upon, and the rationale supporting the rejection, would be the same under either status.
The following is a quotation of 35 U.S.C. 103 which forms the basis for all obviousness rejections set forth in this Office action:
A patent for a claimed invention may not be obtained, notwithstanding that the claimed invention is not identically disclosed as set forth in section 102, if the differences between the claimed invention and the prior art are such that the claimed invention as a whole would have been obvious before the effective filing date of the claimed invention to a person having ordinary skill in the art to which the claimed invention pertains. Patentability shall not be negated by the manner in which the invention was made.
The factual inquiries for establishing a background for determining obviousness under 35 U.S.C. 103 are summarized as follows:
1. Determining the scope and contents of the prior art.
2. Ascertaining the differences between the prior art and the claims at issue.
3. Resolving the level of ordinary skill in the pertinent art.
4. Considering objective evidence present in the application indicating obviousness or nonobviousness.
This application currently names joint inventors. In considering patentability of the claims the examiner presumes that the subject matter of the various claims was commonly owned as of the effective filing date of the claimed invention(s) absent any evidence to the contrary. Applicant is advised of the obligation under 37 CFR 1.56 to point out the inventor and effective filing dates of each claim that was not commonly owned as of the effective filing date of the later invention in order for the examiner to consider the applicability of 35 U.S.C. 102(b)(2)(C) for any potential 35 U.S.C. 102(a)(2) prior art against the later invention.
Claims 1-9, 13-15 and 20-31 are rejected under 35 U.S.C. 103 as being unpatentable over Probetts (US 2019/0355063) in view of Wilner (US 2022/0391921).
Claim 1 recites:
An apparatus comprising: (Probetts, Fig. 1, [0081], GUI computer system. Applicant’s specification, [0397], notes “The methods and systems described herein may be deployed in part or in whole through a machine having a computer, computing device, processor, circuit, and/or server that executes computer readable instructions, program codes, instructions, and/or includes hardware configured to functionally execute one or more operations of the methods and systems herein. The terms computer, computing device, processor, circuit, and/or server, (“computing device”) as utilized herein, should be understood broadly.” Accordingly, the GUI computer system of Probetts reads on the various circuits performing functions addressed below)
an access initialization circuit structured to interpret at least one user class value for a user accessing an online platform having a plurality of wealth management functions, wherein the at least one user class value corresponds to at least one class of a plurality of user classes, the plurality of user classes comprising a client class, an agent class, and an administrator class; (Probetts, Fig. 4,. [0131], log-in request from user; [0143], service representative requests access; [0084], administrator or a financial planner accesses database by logging into GUI computer system. Probetts does not discuss the administrator accessing the online platform. Wilner, [0296], notes that the administrator has full access to all available functions. It would have been obvious to a person of ordinary skill in the art before the time of effective filing to modify the administrator of Probetts to have full access as in Wilner in order to set access levels for all users as discussed in Wilner, [0296], and access user profiles as discussed in Probetts, [0084]. Additionally, both are in the field of account/portfolio management classified in G06Q 40/06 and one of ordinary skill in the art would recognize the combination to be predictable.)
an access management circuit structured to determine a scheduled access profile in response to the at least one user class value, wherein the scheduled access profile includes a permitted functions description indicative of at least one permitted wealth management function within the plurality of wealth management functions accessible to the user and the permitted functions description is updated based on progression through a plurality of enrollment stages to provide stage-specific permissions for accessing wealth management functions; and (Probetts, Fig. 4, [0131], base-level user, enhanced-level user; [0138], enrollment request 430 for advanced services; Fig. 5, [0143], enhanced services functionality; see also Fig. 8A, [0151], tabular comparison of services available)
a user interface circuit structured to implement a user interface that includes a session menu region arranged with clickable hyperlinks corresponding to the permitted wealth management functions, (Probetts, Fig. 5, [0138], “if the user is already an enhanced-level user, the introductory page is configured to provide a “Go to My Total Retirement” link (or “dashboard request”) 532”)
and an activity region, configured to display wealth management structures in response to hyperlink selection, (Probetts, Fig. 11A, [0165], dashboard 1100 of GUI 301 provided for enhanced level users)
wherein the user interface circuit configures sizes and anchor points of the session menu region and the activity region according to an interface layout; (Probetts, Fig. 6, [0144], GUI 301, display 600 is configured as overlay over homepage 500; [0133], configuration of format and location; [0139], layout. See also Wilner, [0015], generate a plurality of display windows based on user selection of one or more templates.)
an analytics interface circuit structured to compute at least one enrollment progression statistic or completion statistic based on agglomerated activity data and enrollment stage data; and (Probetts, Fig. 3, [0123]-[0125], when a user completes the data entry requests data entry requests, my family page 318 automatically directs the user to the assets page 320; Fig. 11A, [0168], shows and discusses an example of a progress indicator 1132)
a configuration management circuit configured to update the scheduled access profile by deploying an alternative configuration in response to the computed statistic; (Probetts, Fig. 3, [0118], “Further, after the user agrees to enroll in the enhanced services through registration page 110, a request to return to the home page will cause to be displayed home page 334”; Fig. 3, [0120], “Home page 334 has some differences from introductory page 304, relating to enhanced services”)
wherein the user interface configured to provide scheduled access to the at least one permitted wealth management function in response to the scheduled access profile and the active enrollment stage. (Probetts, Fig. 5, [0138], link 532)
Claim 2 recites:
The apparatus of claim 1, wherein the permitted functions description includes a value indicative of at least one permitted wealth management function accessible to the user, and the user interface is structured to provide a clickable hyperlink for each permitted wealth management function within the session menu region. (Probett, Fig. 4, [0133], balance; Fig. 5, [0138], link 532; [0120], hyperlink)
Claim 3 recites:
The apparatus of claim 2, wherein at least one permitted wealth management function includes at least one wealth management structure, and the user interface circuit is structured to provide the user access to the at least one wealth management structure within the activity region of the user interface responsive to a selection made by the user in the session menu region. (Probetts, Fig. 5, [0138], link 132; Fig. 11A, [0165], dashboard 1100 of GUI 301 provided for enhanced level users; [0121], manage different aspects of user’s financial planning)
Claim 4 recites:
The apparatus of claim 3, wherein at least one permitted wealth management function includes a plurality of wealth management structures. (Probetts, [0121], investments page 326, income planning page 328, etc.)
Claim 5 recites:
The apparatus of claim 4, wherein the user interface further includes a selected function menu region configured to display a hyperlink for each wealth management structure of a permitted wealth management function selected by a user, and the user interface circuit is structured to provide the user access to each wealth management structure within the activity region of the user interface responsive to a selection made by the user in the selected function menu region. (Probetts, [0121], display corresponding page)
Claim 6 recites:
The apparatus of claim 3, wherein the at least one wealth management structure comprises at least one of: a wealth management analysis tool; a set of wealth management data relating to investments associated with the user; a financial report; an interactive analytics portal; an investment selection portal; a user information modification tool; or a combination of at least two of the foregoing structures. (Probetts, [0121], investments page 326)
Claim 7 recites:
The apparatus of claim 6, wherein the at least one wealth management structure is a wealth management analysis tool comprising at least one of a data visualization or a data illustration. (Probetts, [0086], visualizations)
Claim 8 recites:
The apparatus of claim 3, wherein the at least one wealth management structure comprises at least one of: an enrollment status tool; an enrollment document access tool; or an enrollment stage description. (Probetts, [0115], option to enroll)
Claim 9 recites:
The apparatus of claim 2, wherein the at least one permitted wealth management function is at least one of: a pre-enrollment screening process; an offer presentation interface; an offer creation tool; an offer acceptance interface; a carrier product management interface; an estimator integration interface; an estimator calculation interface; a client profile integration tool; a client questionnaire creation tool; a client questionnaire completion tool; a DocuSign interface tool; an application completion tool; an application review and approval tool; a client management tool; a portfolio management tool; or a payment processing tool. (Probetts, [0116]-[0118], registration page 310, confirmation page 312)
Claim 13 recites:
The apparatus of claim 1, wherein the user interface circuit is further structured to configure at least one feature within the user interface in response to a user preferences description. (Probetts, [0131], user preferences)
Claim 14 recites:
The apparatus of claim 13, wherein the user preferences description is stored within one of: a data store of the online platform or a device used by the user to access the online platform. (Probetts, [0083], [0084], database)
Claim 15 recites:
The apparatus of claim 13, wherein the user preferences description includes at least one of: a value indicative of a selected format for messaging and notification; a value indicative of a selection of data to initially display within the user interface; or a value indicative of a set of display options for the user interface. (Probetts, [0147], format data; [0234], format inputs)
Claim 20 recites:
The apparatus of claim 1, wherein the user interface circuit implements the user interface within a display screen, and the session menu region is a first area within the display screen and the activity region is a second area within the display screen. (Probetts, Fig. 6, [0144], GUI 301, display 600 is configured as overlay over homepage 500; [0133], configuration of format and location; [0139], layout)
Claim 21 recites:
The apparatus of claim 20, wherein the first area and the second area each have a vertical dimension, a horizontal dimension, and an anchor point, and the user interface circuit is structured to set at least one of: the vertical dimension, the horizontal dimension, or the anchor point of the first area; or the vertical dimension, the horizontal dimension, or the anchor point of the second area in response to a permitted wealth management function accessed by the user. (Probetts, Fig. 6, [0144], GUI 301, display 600 is configured as overlay over homepage 500; [0133], configuration of format and location; [0139], layout)
Claim 22 recites:
The apparatus of claim 1, wherein the user interface circuit is configured to implement the user interface utilizing at least one of: a web portal; a mobile application; or a proprietary installed application. (Probetts, [0075], application)
Claim 23 recites:
The apparatus of claim 1, wherein the plurality of user classes includes user classes corresponding to a role of a user within the online platform. (Probetts, [0143], base-level users, enhanced-level users, service representatives)
Claim 24 recites:
The apparatus of claim 1, wherein the plurality of user classes includes user classes corresponding to at least one trait of a user within the online platform. (Probetts, [0143], base-level users, enhanced-level users)
Claim 25 recites:
The apparatus of claim 24, wherein the at least one trait is at least one of: a profession; a geographic location; a social or economic demographic; a legal jurisdiction; a risk profile or risk profile category; a relationship to an entity; a subscription category or membership indicator; or a set of user selected features. (Probetts, [0077], register for the enhanced services)
Claim 26 recites:
The apparatus of claim 1, wherein the access management circuit is further structured to provide at least two levels of access to the online platform in response to the at least one user class value. (Probetts, [0143], base-level users, enhanced-level users)
Claim 27 recites:
The apparatus of claim 26, wherein the at least two levels of access include: a first level of access comprising a scheduled access profile that includes a permitted functions description consisting of a first set of permitted wealth management functions; and a second level of access comprising a scheduled access profile that includes a permitted functions description consisting of a second set of permitted wealth management functions. (Probetts, [0143], base-level users, enhanced-level users have access to enhanced level services)
Claim 28 recites:
The apparatus of claim 27, wherein the first set of permitted wealth management functions are read-only functions within the online platform and the second set of permitted wealth management functions are read-write functions within the online platform. (Probetts, [0143], “in contrast to introductory page 400 as it appears to base-level users, Homepage 500 is configured to receive user input for enhanced-level users”)
Claim 29 recites:
The apparatus of claim 27, wherein the first set of permitted wealth management functions are client facing functions within the online platform and the second set of permitted wealth management functions are administrative functions within the online platform. (Probetts, Figs. 11A and 11B, [0169], dashboards for users and service representatives; [0084], administrator. Probetts does not specifically disclose the second set of permitted wealth management functions are administrative functions within the online platform. Wilner, [0296], notes that the administrator has full access to all available functions. It would have been obvious to a person of ordinary skill in the art before the time of effective filing to modify the administrator of Probetts to have full access as in Wilner in order to set access levels for all users as discussed in Wilner, [0296], and access user profiles as discussed in Probetts, [0084].)
Claim 30 recites:
The apparatus of claim 27, wherein the first set of permitted wealth management functions are configured to redact or partially redact confidential information and the second set of permitted wealth management functions are configured to provide full access to confidential information. (Probetts, Figs. 11A and 11B, [0169], dashboards for users and service representatives; [0084], administrator. Probetts does not specifically disclose the first set of permitted wealth management functions are configured to redact or partially redact confidential information and the second set of permitted wealth management functions are configured to provide full access to confidential information. Wilner, [0296], notes that the administrator has full access to all available functions and confidential projects. It would have been obvious to a person of ordinary skill in the art before the time of effective filing to modify the administrator of Probetts to have full access as in Wilner in order to set access levels for all users as discussed in Wilner, [0296], and access user profiles as discussed in Probetts, [0084].)
Claim 31 recites:
The apparatus of claim 27, wherein the first set of permitted wealth management functions are configured to permit a user to view a first subset of available platform data and the second set of permitted wealth management functions are configured to permit a user to view a second subset of available platform data, wherein the first subset of available platform data is a limited selection of the second subset of available platform data. (Probetts, [0143], base-level users, enhanced-level users; Fig. 8A, [0151], enhanced-level users have access to enhanced level services, information)
Response to Arguments
Applicant's arguments filed 11/10/2025 have been fully considered and are addressed below.
Regarding the rejection under 35 U.S.C. 101, Applicant’s arguments have been fully considered but they are not persuasive. Regarding Step 2A, prong one, the certain methods of organizing human activity grouping of abstract ideas includes the commercial or legal interaction of business relations. As recited in the claims, the invention is directed to providing access to a wealth management function in response to an access profile for the purpose, as discussed in Applicant’s specification, [0136], of granting access to a platform based on permissions and enrollment. Please see MPEP 2106.04(a)(2)(II)(B). The Applicant argues “Second, Applicant’s claims are not fundamental economic principles because Applicant's claims do not recite any concepts describing the economy and commerce, including hedging, insurance, and mitigating risks. Applicant respectfully disagrees with the assertion that “providing access to a wealth management function in response to an access profile amounts to the fundamental economic practice of providing a product that has been paid for.” This interpretation is not consistent with the claim language or the specification.” The Examiner agrees and the note that the claims also fall in the fundamental economic principles subgrouping has been withdrawn.
Regarding Applicant’s arguments regarding Step 2A, prong two, integration into a practical application requires an additional element or a combination of additional elements in the claim to apply, rely on, or use the judicial exception in a manner that imposes a meaningful limit on the judicial exception, such that the claim is more than a drafting effort designed to monopolize the exception. Limitations that are indicative of integration into a practical application include improvements to the functioning of a computer, applying the judicial exception with a particular machine, effecting transformation of a particular article to a different state or thing or applying the judicial exception in some other meaningful was beyond generally linking the use of the judicial exception to a particular technological environment. The Applicant argues “Instead, the present claims recite an improvement to the functioning of a computer-based wealth management platform through a specific technical architecture comprising an access initialization circuit, an access management circuit, and a user interface circuit. These components operate together to configure interface regions, apply visibility and enablement settings, and enforce stage-specific permissions based on enrollment progression and user class values. Such operations address technical problems of interface clutter, security, and usability in multi-role environments, and are analogous to improvements recognized as patent-eligible in cases such as Enfish and McRO.” The Examiner respectfully disagrees. The claimed “circuit” elements are no more than mere instructions to implement an abstract idea or other exception on a computer. Please see MPEP 2106.05(f)(1) discussing when the claim recites only the idea of a solution or outcome i.e., the claim fails to recite details of how a solution to a problem is accomplished this does not show integration into a practical application. Please see MPEP 2106.05(f)(2) discussing when the claim invokes computers or other machinery merely as a tool to perform an existing process including use of a computer or other machinery for economic tasks this does not show integration into a practical application. Please also see MPEP 2106.05(a) which notes examples that the courts have indicated may not be sufficient to show an improvement in computer-functionality include “i. Generating restaurant menus with functionally claimed features”; and “viii. Arranging transactional information on a graphical user interface in a manner that assists traders in processing information more quickly”, both of which correspond to functionally claimed online platform having wealth management functions. Regarding Enfish, a self-referential database is not claimed. Regarding McRO, computer animation is not claimed.
Regarding Applicant’s arguments regarding Step 2B, Step 2B is directed to whether the claim recites additional elements that amount to an inventive concept (AKA “significantly more”) than the judicial exception. The Applicant argues “Here, the Office relies only on a generic reference to paragraph 132 of Applicant's specification to conclude that "the computer components ... appear to be generic." But paragraph 132 is not an admission that the claimed arrangement and claimed operations are conventional. Applicant does not see mention of any of these components or operations in paragraph 132, and the cited paragraphs do not appear to provide any admission that the elements, or the ordered interaction of the elements, are well-understood, routine, or conventional. The rejection does not cite any publication or controlling case holding that the claimed interaction of elements is well-understood, routine, and conventional. For example, the office provided no evidence that the operation of updating the permitted functions description based on progression through a plurality of enrollment stages to provide stage-specific permissions for accessing wealth management functions is well-understood, routine, conventional. Absent such evidence, the Step 2B conclusion is unsupported.” The Examiner respectfully disagrees. Applicant’s specification, [0132], explicitly notes “Certain aspects of the present disclosure include, reference, and/or are described in relation to a circuit, controller, component, module, platform, computing device, and/or terminology similar to any of the foregoing. Specific examples of these aspects (“devices”, in this paragraph, to simplify the present description) are provided for clarity of the description, and to provide a context for describing features, aspects, capabilities, operations, or the like for specific embodiments of the present disclosure. However, the specific implementations of these devices, including depictions of example devices as a single device or a specific distribution of devices, are not limiting to the present disclosure. Any such device may be, without limitation: a single device; a distributed device; a device that is positioned, in whole or part, on other devices of the present disclosure; and/or a device that incorporates, in whole or part, other devices. The examples of such devices in the present disclosure are provided to illustrate certain capabilities and/or functions of the devices, and any implementation of devices configured to perform one or more of the described operations is contemplated herein to embody all or a portion of such devices.” It is respectfully submitted that there is no claimed “arrangement” as the claims are recited in functional terms with the functions being performed by an “apparatus”. Regarding “the office provided no evidence that the operation of updating the permitted functions description based on progression through a plurality of enrollment stages to provide stage-specific permissions for accessing wealth management functions is well-understood, routine, conventional”, the Examiner respectfully disagrees. Regarding evidence, please see MPEP 2106.05(d) discussing examples of other types of activity that the courts have found to be well-understood, routine, conventional activity when they are claimed in a merely generic manner (e.g., at a high level of generality) or as insignificant extra-solution activity include “iii. Restricting public access to media by requiring a consumer to view an advertisement, Ultramercial, Inc. v. Hulu, LLC, 772 F.3d 709, 716-17, 112 USPQ2d 1750, 1755-56 (Fed. Cir. 2014)”. Here, access to wealth management functions is restricted based on a progression through enrollment stages.
Regarding the rejections under 35 U.S.C. 103, Applicant’s arguments have been fully considered and the amended claims are addressed in detail above. The Applicant argues “Applicant respectfully submits that Probetts and Wilner, whether taken alone or in combination, fail to teach or suggest at least the claimed elements an analytics interface circuit structured to compute at least one enrollment progression statistic or completion statistic based on agglomerated activity data and enrollment stage data and a configuration management circuit configured to update the scheduled access profile by deploying an alternative configuration in response to the computed metric.” The Examiner respectfully disagrees. Please see Probetts, [0123]-[0125], [0168], [0118] and [0120] as discussed in detail above.
Conclusion
The prior art made of record and not relied upon is considered pertinent to applicant's disclosure includes: WO 2023119318; US 20120136804; and “Financial Advisor’s Guide To Choosing The Best Financial Planning Software (For You)”, March 21, 2016.
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/GREGORY HARPER/Examiner, Art Unit 3692