Prosecution Insights
Last updated: July 17, 2026
Application No. 18/373,566

DIGITAL SYSTEM FOR AUTOMATED MEASURING OF RELATIVE RISK MEASURANDS AND SCORES OF LIVING INDIVIDUALS AND METHOD THEREOF

Final Rejection §101§112
Filed
Sep 27, 2023
Priority
Jun 29, 2021 — CH CH000755/2021 +2 more
Examiner
PORTER, RACHEL L
Art Unit
3684
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Swiss Reinsurance Company Ltd.
OA Round
2 (Final)
21%
Grant Probability
At Risk
3-4
OA Rounds
2y 1m
Est. Remaining
44%
With Interview

Examiner Intelligence

Grants only 21% of cases
21%
Career Allowance Rate
89 granted / 417 resolved
-30.7% vs TC avg
Strong +23% interview lift
Without
With
+23.0%
Interview Lift
resolved cases with interview
Typical timeline
4y 10m
Avg Prosecution
33 currently pending
Career history
473
Total Applications
across all art units

Statute-Specific Performance

§101
27.3%
-12.7% vs TC avg
§103
48.2%
+8.2% vs TC avg
§102
14.1%
-25.9% vs TC avg
§112
9.9%
-30.1% vs TC avg
Black line = Tech Center average estimate • Based on career data from 417 resolved cases

Office Action

§101 §112
DETAILED ACTION Notice to Applicant The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA . This communication is in response to the amendment filed on 2/17/26. Claims 1-2, 4, and 6-31 are pending. Claims 6-31 are withdrawn from further consideration. Claims 1-2, and 4 will be examined on the merits. Claim Interpretation This application includes one or more claim limitations that do not use the word “means,” but are nonetheless being interpreted under 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph, because the claim limitation(s) uses a generic placeholder that is coupled with functional language without reciting sufficient structure to perform the recited function and the generic placeholder is not preceded by a structural modifier. Such claim limitation(s) is/are: a principal components analysis (PCA) structure for unsupervised linear feature extraction reducing the size of the data by extracting features having most information (claim 1). Because this/these claim limitation(s) is/are being interpreted under 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph, it/they is/are being interpreted to cover the corresponding structure described in the specification as performing the claimed function, and equivalents thereof. If applicant does not intend to have this/these limitation(s) interpreted under 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph, applicant may: (1) amend the claim limitation(s) to avoid it/them being interpreted under 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph (e.g., by reciting sufficient structure to perform the claimed function); or (2) present a sufficient showing that the claim limitation(s) recite(s) sufficient structure to perform the claimed function so as to avoid it/them being interpreted under 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph. Previously cited claim limitations have been amended to recite “processing circuitry,” and therefore will no longer be subject to 112(f) interpretation. Claim Rejections - 35 USC § 112 The following is a quotation of 35 U.S.C. 112(b): (b) CONCLUSION.—The specification shall conclude with one or more claims particularly pointing out and distinctly claiming the subject matter which the inventor or a joint inventor regards as the invention. The following is a quotation of 35 U.S.C. 112 (pre-AIA ), second paragraph: The specification shall conclude with one or more claims particularly pointing out and distinctly claiming the subject matter which the applicant regards as his invention. Claims 1-2 and 4 are rejected under 35 U.S.C. 112(b) or 35 U.S.C. 112 (pre-AIA ), second paragraph, as being indefinite for failing to particularly point out and distinctly claim the subject matter which the inventor or a joint inventor (or for applications subject to pre-AIA 35 U.S.C. 112, the applicant), regards as the invention. Claim limitations “ a principal components analysis (PCA) structure for unsupervised linear feature extraction reducing the size of the data by extracting features having most information” in claim 1 invokes 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph. However, the written description fails to disclose the corresponding structure, material, or acts for performing the entire claimed function and to clearly link the structure, material, or acts to the function. More specifically, the disclosure does not describe which structures, computer hardware and/or algorithms are used to perform functions recited. Therefore, the claim is indefinite and is rejected under 35 U.S.C. 112(b) or pre-AIA 35 U.S.C. 112, second paragraph. Applicant may: (a) Amend the claim so that the claim limitation will no longer be interpreted as a limitation under 35 U.S.C. 112(f) or pre-AIA 35 U.S.C. 112, sixth paragraph; (b) Amend the written description of the specification such that it expressly recites what structure, material, or acts perform the entire claimed function, without introducing any new matter (35 U.S.C. 132(a)); or (c) Amend the written description of the specification such that it clearly links the structure, material, or acts disclosed therein to the function recited in the claim, without introducing any new matter (35 U.S.C. 132(a)). If applicant is of the opinion that the written description of the specification already implicitly or inherently discloses the corresponding structure, material, or acts and clearly links them to the function so that one of ordinary skill in the art would recognize what structure, material, or acts perform the claimed function, applicant should clarify the record by either: (a) Amending the written description of the specification such that it expressly recites the corresponding structure, material, or acts for performing the claimed function and clearly links or associates the structure, material, or acts to the claimed function, without introducing any new matter (35 U.S.C. 132(a)); or (b) Stating on the record what the corresponding structure, material, or acts, which are implicitly or inherently set forth in the written description of the specification, perform the claimed function. For more information, see 37 CFR 1.75(d) and MPEP §§ 608.01(o) and 2181. Claim 1 has been amended to recite: “when at least one of the captured factor values exceeds… “There is insufficient antecedent basis for this limitation in the claim. In particular, the claims do not previously recite capturing factor values. Moreover, claim 1 has been amended to recite “wherein the risk shape pattern further comprises clinical factor values measuring” and lists groupings i-vi. The claim language for groups i-v is inclusive and is connected by “and”; however, the language for group vi seems to be recited in the alternative (i.e. OR (vi) family history of diabetes and circulatory disorders factor values). It is unclear to the examiner if applicant intends to claim “measuring clinical factors including elements from each of groups i, ii, iii, iv, and v” OR “measuring clinical factors including family history of diabetes and circulatory disorders factor values” (grouping vi). The examiner is interpreting the language to mean that the limitation is met by “measuring clinical factors including family history of diabetes and circulatory disorders factor values” (i.e. any single factor from i-v or another factor value related to diabetes and circulatory ) 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, and 4 are rejected under 35 U.S.C. 101 because the claimed invention is directed to a judicial exception (i.e, a law of nature, a natural phenomenon, or an abstract idea) without significantly more. 35 USC 101 enumerates four categories of subject matter that Congress deemed to be appropriate subject matter for a patent: processes, machines, manufactures and compositions of matter. As explained by the courts, these “four categories together describe the exclusive reach of patentable subject matter. If a claim covers material not found in any of the four statutory categories, that claim falls outside the plainly expressed scope of Section 101 even if the subject matter is otherwise new and useful.” In re Nuijten, 500 F.3d 1346, 1354, 84 USPQ2d 1495, 1500 (Fed. Cir. 2007). Step 1 of the eligibility analysis asks: Is the claim to a process, machine, manufacture or composition of matter? Applicant’s claims fall within at least one of the four categories of patent eligible subject matter because claims 1-2, and 4 are drawn to a system. Determining that a claim falls within one of the four enumerated categories of patentable subject matter recited in 35 USC 101 (i.e., process, machine, manufacture, or composition of matter) in Step 1 does not complete the eligibility analysis. Claims drawn only to an abstract idea, a natural phenomenon, and laws of nature are not eligible for patent protection. As described in MPEP 2106, subsection III, Step 2A of the Office’s eligibility analysis is the first part of the Alice/Mayo test, i.e., the Supreme Court’s “framework for distinguishing patents that claim laws of nature, natural phenomena, and abstract ideas from those that claim patent-eligible applications of those concepts.” Alice Corp. Pty. Ltd. v. CLS Bank Int'l,134 S. Ct. 2347, 2355, 110 USPQ2d 1976, 1981 (2014) (citing Mayo, 566 U.S. at 77-78, 101 USPQ2d at 1967-68). In 2019, the United States Patent and Trademark Office (USPTO) prepared revised guidance (2019 Revised Patent Subject Matter Eligibility Guidance) for use by USPTO personnel in evaluating subject matter eligibility. The framework for this revised guidance, which sets forth the procedures for determining whether a patent claim or patent application claim is directed to a judicial exception (laws of nature, natural phenomena, and abstract ideas), is described in MPEP sections 2106.03 and 2106.04. As explained in MPEP 2106.04(a)(2), the 2019 Revised Patent Subject Matter Eligibility Guidance explains that abstract ideas can be grouped as, e.g., mathematical concepts, certain methods of organizing human activity, and mental processes. Moreover, this guidance explains that a patent claim or patent application claim that recites a judicial exception is not ‘‘directed to’’ the judicial exception if the judicial exception is integrated into a practical application of the judicial exception. A claim that recites a judicial exception, but is not integrated into a practical application, is directed to the judicial exception under Step 2A and must then be evaluated under Step 2B (inventive concept) to determine the subject matter eligibility of the claim. Step 2A asks: Does the claim recite a law of nature, a natural phenomenon (product of nature) or an abstract idea? (Prong One) If so, is the judicial exception integrated into a practical application of the judicial exception? (Prong Two) A claim recites a judicial exception when a law of nature, a natural phenomenon, or an abstract idea is set forth or described in the claim. While the terms “set forth” and “describe” are thus both equated with “recite”, their different language is intended to indicate that there are different ways in which an exception can be recited in a claim. For instance, the claims in Diehr set forth a mathematical equation in the repetitively calculating step, while the claims in Mayo set forth laws of nature in the wherein clause, meaning that the claims in those cases contained discrete claim language that was identifiable as a judicial exception. The claims in Alice Corp., however, described the concept of intermediated settlement without ever explicitly using the words “intermediated” or “settlement.” A claim that integrates a judicial exception into a practical application will 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 judicial exception. In the instant case, claims 1-2, and 4 recite(s) a system and method and for certain methods of organizing human activities, which is subject matter that falls within the enumerated groupings of abstract ideas described in MPEP 2106.04 (2019 Revised Patent Subject Matter Eligibility Guidance) Certain methods of organizing human activities includes fundamental economic practices, like insurance; commercial interactions (i.e. legal obligations, marketing or sales activities or behaviors, and business relations). Organizing human activity also encompasses managing personal behavior or relationships or interactions between people (including social activities, teaching, and following rules or instructions.) The recited method is drawn to determining lifestyle and health risk shape pattern and factors for a population of individuals (as related to insurance/risk assessment for underwriting ) The recited invention is also drawn to mathematical relationships, which is also subject matter that falls within the enumerated groupings of abstract ideas described in MPEP 2106.04 (2019 Revised Patent Subject Matter Eligibility Guidance) Claim 1 recites: perform a defined parametrization for capturing risk shape pattern for living individual, the parametrization of the risk shape pattern comprising at least lifestyle factor values measuring physical activity and sleep and nutrition and mental wellbeing and substance use and environmental conditions, wherein the risk shape pattern further comprises clinical factor values measuring (i) build factor values comprising a measured height and/or weight factor value, and (ii) lipids factor values comprising a measured total cholesterol factor value or a high-density lipoprotein factor value and/or a triglycerides factor value, and (iii) blood pressure factor values comprising a measured systolic and diastolic blood pressure factor value, and (iv) glucose metabolism factor values comprising a measured fasting/non- fasting glucose factor value or glycated hemoglobin (hemoglobin Al c) factor value or diabetes status, and (v) liver function factor values comprising a measured gamma-glutamyl-transferase (GGT) factor value or an alanine transaminase (ALT) factor value or an aspartate transaminase (AST) factor value or an alkaline phosphatase (Alk Phos), or (vi) family history of diabetes and circulatory disorders factor values, extend the parametrization of the risk shape pattern by the input measures by performing (i) a measured waist circumference factor value, when a threshold value of one of the build factor values is exceeded, and (ii) a measured apolipoproteins factor value, when a threshold value of at least one of the lipid factor values is exceeded, and (iii) a measured relationship or relative diagnosis age of family history factor value, when a threshold value of at least one of the family history factor values is exceeded, and (iv) a factor value indicating certain diabetes sub-types, when a threshold value of at least one of the glucose metabolism factor values is exceeded, and (v) a measured sport-driven physical activity measures value, when a threshold value of at least one of the physical activity factor values is exceeded, and (vi) a measured activity intensity qualifier factor value, when a threshold value of at least one of the physical activity factor values is exceeded, and (vii) a measured binge drinking value, when a threshold value of a drinking factor value is exceeded, and (viii) measured factor values based on an additional popular screening questionnaires, when a threshold value indicating mental wellness is exceeded, model and capture interactive effects between any of the factors of the parametrization of the risk shape pattern, wherein the factors provide the input measures to the system, perform a dimensionality reduction for reducing the used number of parameters by an integrated feature selection and feature extraction structure, generate subsets of attributes by selecting a subset of features containing highly correlated features with a class of features, but uncorrelated to each other based on generated correlation values … capture a multitude of risk shape patterns for living individuals at least by said lifestyle factor values, wherein the captured multitude of risk shape patterns are clustered by the system, each cluster defining a prototype of risk shape pattern assigned to a dedicated relative risk measurand, wherein a newly captured risk shape pattern of a living individual is mapped by the system to one of the prototypes of risk shape pattern based on measured lifestyle factor values associated with the living individual, and wherein the dedicated relative risk measurand assigned to the risk shape pattern is outputted as resilience score value of the living individual. This judicial exception is not integrated into a practical application because the claim language does not recite any improvements to the functioning of a computer, or to any other technology or technical field (See MPEP 2106.04(d)(1); see also MPEP 2106.05(a)(I-II)). Moreover, the claims do not integrate the judicial exception into a practical application because the claimed invention does not: apply the judicial exception with, or by use of, a particular machine (see MPEP 2106.05(b)); effect a transformation or reduction of a particular article to a different state or thing (see MPEP 2106.05(c)); or apply or using the judicial exception in some other meaningful way beyond generally linking the use of the judicial exception to a particular technological environment see MPEP 2106.05(e). (Considerations for integration into a practical application in Step 2A, prong two and for recitation of significantly more than the judicial exception in Step 2B) While abstract ideas, natural phenomena, and laws of nature are not eligible for patenting by themselves, claims that integrate these exceptions into an inventive concept are thereby transformed into patent-eligible inventions. Alice Corp. Pty. Ltd. v. CLS Bank Int'l, 134 S. Ct. 2347, 2354, 110 USPQ2d 1976, 1981 (2014) (citing Mayo Collaborative Servs. v. Prometheus Labs., Inc., 566 U.S. 66, 71-72, 101 USPQ2d 1961, 1966 (2012)). Thus, the second part of the Alice/Mayo test is often referred to as a search for an inventive concept. Id. An “inventive concept” is furnished by an element or combination of elements that is recited in the claim in addition to (beyond) the judicial exception, and is sufficient to ensure that the claim as a whole amounts to significantly more than the judicial exception itself. Alice Corp., 134 S. Ct. at 2355, 110 USPQ2d at 1981 (citing Mayo, 566 U.S. at 72-73, 101 USPQ2d at 1966). Although the courts often evaluate considerations such as the conventionality of an additional element in the eligibility analysis, the search for an inventive concept should not be confused with a novelty or non-obviousness determination. See Mayo, 566 U.S. at 91, 101 USPQ2d at 1973 (rejecting “the Government’s invitation to substitute Sections 102, 103, and 112 inquiries for the better established inquiry under Section 101”). As made clear by the courts, the “‘novelty’ of any element or steps in a process, or even of the process itself, is of no relevance in determining whether the subject matter of a claim falls within the Section 101 categories of possibly patentable subject matter.” Intellectual Ventures I v. Symantec Corp.,838 F.3d 1307, 1315, 120 USPQ2d 1353, 1358 (Fed. Cir. 2016) (quoting Diamond v. Diehr, 450 U.S. at 188–89, 209 USPQ at 9). As described in MPEP 2106.05, Step 2B of the Office’s eligibility analysis is the second part of the Alice/Mayo test, i.e., the Supreme Court’s “framework for distinguishing patents that claim laws of nature, natural phenomena, and abstract ideas from those that claim patent-eligible applications of those concepts.” Alice Corp. Pty. Ltd. v. CLS Bank Int'l, 573 U.S. _, 134 S. Ct. 2347, 2355, 110 USPQ2d 1976, 1981 (2014) (citing Mayo, 566 U.S. 66, 101 USPQ2d 1961 (2012)). Step 2B asks: Does the claim recite additional elements that amount to significantly more than the judicial exception? The claim(s) does/do not include additional elements that are sufficient to amount to significantly more than the judicial exception. . Claim 1 recite(s) additional limitation(s), including: ”processing circuitry configured to.” The additional component(s) is/are generic components that perform well-understood, routine and conventional functions that amount to no more than implementing the abstract idea with a computerized system. To support the finding of the identified features being generic and conventional, the generic nature of the computer system used to carryout steps of the recited method is underscored by the system description in the instant application, which discloses: “Further in the prior art, automated or semi-automated risk-transfer systems, typically interacting with a user via graphical user interface (GUI), are known. In particular, automated, cloud-based systems enabling an end-user (e.g. an end-user being a consumer or an employee of a business as an insurance or distribution company (e.g. broker)) to compose automatically a first-tier (insurance) and/or second-tier (reinsurance) risk-transfer product, after conducting a dialogue with a knowledge-based system, are known. Such systems reduce the dependences of first-insurers or reinsurers on both their information technology (IT) and their human experts, as e.g. actuarial experts. Such systems are able to adjust the dialogue interactively according to the specific needs of the users and ask for the relevant data needed for the desired risk-transfer product..” (par. 10-PG-pub) The application explains: “It is an object of the present invention to provide an inventive technical teaching for automation which is easily integratable in other processes, productions chains or risk assessment and measuring systems, e.g. by appropriate APIs..” (see par. 19-Emphasis added). The applicant’s disclosure uses only general terms and references to automated and/or digital system(s), and does not describe the underlying components used to execute the functions recited by the claimed system. Such language underscores that the applicant's perceived invention/ novelty focuses on the computerized implementation of the abstract idea, not the underlying structure of generic components. Furthermore, the courts have recognized certain computer functions as well‐understood, routine, and conventional functions when they are claimed in a merely generic manner (e.g., at a high level of generality) or as insignificant extra-solution activity (See MPEP 2106.05 (d) (II)). Among these are the following features, which are recited in claim 1: - Receiving or transmitting data over a network, e.g., using the Internet to gather data, Symantec, 838 F.3d at 1321, 120 USPQ2d at 1362 (utilizing an intermediary computer to forward information); TLI Communications LLC v. AV Auto. LLC, 823 F.3d 607, 610, 118 USPQ2d 1744, 1745 (Fed. Cir. 2016) (using a telephone for image transmission); OIP Techs., Inc., v. Amazon.com, Inc., 788 F.3d 1359, 1363, 115 USPQ2d 1090, 1093 (Fed. Cir. 2015) (sending messages over a network); buySAFE, Inc. v. Google, Inc., 765 F.3d 1350, 1355, 112 USPQ2d 1093, 1096 (Fed. Cir. 2014) (computer receives and sends information over a network); but see DDR Holdings, LLC v. Hotels.com, L.P., 773 F.3d 1245, 1258, 113 USPQ2d 1097, 1106 (Fed. Cir. 2014) ("Unlike the claims in Ultramercial, the claims at issue here specify how interactions with the Internet are manipulated to yield a desired result‐‐a result that overrides the routine and conventional sequence of events ordinarily triggered by the click of a hyperlink." (emphasis added)); - Performing repetitive calculations, Flook, 437 U.S. at 594, 198 USPQ2d at 199 (recomputing or readjusting alarm limit values); Bancorp Services v. Sun Life, 687 F.3d 1266, 1278, 103 USPQ2d 1425, 1433 (Fed. Cir. 2012) ("The computer required by some of Bancorp’s claims is employed only for its most basic function, the performance of repetitive calculations, and as such does not impose meaningful limits on the scope of those claims."); - Storing and retrieving information in memory, Versata Dev. Group, Inc. v. SAP Am., Inc., 793 F.3d 1306, 1334, 115 USPQ2d 1681, 1701 (Fed. Cir. 2015); OIP Techs., 788 F.3d at 1363, 115 USPQ2d at 1092-93) Claims 2 and 4 are dependent from Claim 1 and include(s) all the limitations of claim(s) 1. However, the additional limitations of the claims 2 and 4 fail to recite significantly more than the abstract idea. More specifically, the additional limitations recite additional steps which further define the abstract idea Therefore, claim(s) 2 and 4 are also rejected under 35 U.S.C. 101 as being directed to non-statutory subject matter. Claim 1 further recite: machine learning based simulation; modelling; using the generative machine learning model; “unsupervised linear feature extraction.” As currently drafted, the recitation of models and machine learning model in the claims fails to recite significantly more, and amounts to adding the words "apply it" (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, e.g., a limitation indicating that a particular function such as creating and maintaining electronic records is performed by a computer, as discussed in Alice Corp., 573 U.S. at 225-26, 110 USPQ2d at 1984. (See MPEP 2106.05(A)) The recitation of using machine learning simulation structure, using and “unsupervised linear feature extraction “ recites only the idea of a solution or outcome, but the claims fail to recite details of how a solution to a problem is accomplished. Moreover, as drafted, the claims invoke the use of the “machine leaning” merely as a tool to perform an existing process of determining an individual’s relative health risk based on an evaluation of a plurality of health factors. More specifically, the claims recite a use of machine learning components and modelling features ( i.e. feature extraction, feature selection, dimensionality reduction; parameterization) at a high level of generality. Because Applicant’s claimed invention recites a judicial exception that is not integrated into a practical application and does not include additional elements that are sufficient to amount to significantly more than the judicial exception itself, the claimed invention is not patent eligible. Allowable Subject Matter The following is a statement of reasons for the indication of allowable subject matter: The previous prior art has been withdrawn. The prior art of record does not disclose the details of parametrization and conditions of extended parametrization for each factor value as currently recited and in combination with additional claim limitations. Response to Arguments Applicant's arguments filed 9/27/26 have been fully considered but they are not persuasive. (A) Applicant argues the rejection of the claims under 35 USC 101. Applicant argues that the claimed invention is drawn to significantly more than the abstract idea because it is drawn to an improvement in a technological field. In response, the examiner disagrees. The recited judicial exception is not integrated into a practical application because the claim language does not recite any improvements to the functioning of a computer, or to any other technology or technical field (See MPEP 2106.04(d)(1); see also MPEP 2106.05(a)(I-II)). Moreover, the claims do not integrate the judicial exception into a practical application because the claimed invention does not: apply the judicial exception with, or by use of, a particular machine (see MPEP 2106.05(b)); effect a transformation or reduction of a particular article to a different state or thing (see MPEP 2106.05(c)); or apply or using the judicial exception in some other meaningful way beyond generally linking the use of the judicial exception to a particular technological environment see MPEP 2106.05(e). (Considerations for integration into a practical application in Step 2A, prong two and for recitation of significantly more than the judicial exception in Step 2B) Consideration of improvements is relevant to the integration analysis regardless of the technology of the claimed invention. That is, the consideration applies equally whether it is a computer-implemented invention, an invention in the life sciences, or any other technology. See, e.g., Rapid Litigation Management Ltd. v. CellzDirect, Inc., in which the court noted that a claimed process for preserving hepatocytes could be eligible as an improvement to technology because the claim achieved a new and improved way for preserving hepatocyte cells for later use, even though the claim is based on the discovery of something natural. (See 827 F.3d 1042, 1048 (Fed. Cir. 2016)) Notably, the court did not distinguish between the types of technology when determining that the invention improved technology. However, it is important to keep in mind that an improvement in the judicial exception itself (e.g., a recited fundamental economic concept) is not an improvement in technology. For example, in Trading Technologies Int’l v. IBG LLC, the court determined that the claim simply provided a trader with more information to facilitate market trades, which improved the business process of market trading but did not improve computers or technology. (921 F.3d 1084, 1093-94 (Fed. Cir. 2019) . Applicant’s argued improvement is to the abstract idea of determining lifestyle and health risk shape pattern and factors for a population of individuals (as related to insurance/risk assessment for underwriting ) (i.e. making better predictions and assessments of individual relative risk) The rejections of claims 1-2 and 4 have been maintained. Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. Even et al (US 20230410208 A1)- a ML-based, predictive, digital underwriting system and corresponding method providing an automated parameter-driven predictive underwriting process based on measured probability values associated with individuals of a cohort or portfolio Kil (US 20080147438 A1)-discloses an integrated health management platform supports the management of healthcare by obtaining multi-dimensional input data for a consumer and, determining a health-trajectory predictor from the multi-dimensional input data, identifying a target of opportunity for the consumer in accordance with the health-trajectory predictor. Rosauer et al (US 20070016542 A1)- a general-purpose decision support and decision making predictive analytics engine that is able to find patterns in many types of digitally represented data. 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 Rachel L Porter whose telephone number is (571)272-6775. The examiner can normally be reached M-F, 10-6:30. 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, Shahid Merchant can be reached at 571-270-1360. 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. /Rachel L. Porter/Primary Examiner, Art Unit 3684
Read full office action

Prosecution Timeline

Sep 27, 2023
Application Filed
Jun 17, 2025
Non-Final Rejection mailed — §101, §112
Sep 10, 2025
Applicant Interview (Telephonic)
Sep 10, 2025
Examiner Interview Summary
Sep 17, 2025
Response after Non-Final Action
Sep 17, 2025
Response Filed
Feb 17, 2026
Response Filed
Jun 03, 2026
Final Rejection mailed — §101, §112 (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

3-4
Expected OA Rounds
21%
Grant Probability
44%
With Interview (+23.0%)
4y 10m (~2y 1m remaining)
Median Time to Grant
Moderate
PTA Risk
Based on 417 resolved cases by this examiner. Grant probability derived from career allowance rate.

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