Prosecution Insights
Last updated: April 19, 2026
Application No. 18/921,661

NETWORK-BASED REAL-TIME ENTERPRISE TRAVEL MANAGEMENT APPARATUS, METHODS, AND SYSTEMS

Non-Final OA §101§103§112
Filed
Oct 21, 2024
Examiner
SCHEUNEMANN, RICHARD N
Art Unit
3624
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
U.S. Bank National Association
OA Round
1 (Non-Final)
6%
Grant Probability
At Risk
1-2
OA Rounds
4y 7m
To Grant
15%
With Interview

Examiner Intelligence

Grants only 6% of cases
6%
Career Allow Rate
35 granted / 551 resolved
-45.6% vs TC avg
Moderate +8% lift
Without
With
+8.4%
Interview Lift
resolved cases with interview
Typical timeline
4y 7m
Avg Prosecution
56 currently pending
Career history
607
Total Applications
across all art units

Statute-Specific Performance

§101
37.4%
-2.6% vs TC avg
§103
37.6%
-2.4% vs TC avg
§102
9.3%
-30.7% vs TC avg
§112
15.1%
-24.9% vs TC avg
Black line = Tech Center average estimate • Based on career data from 551 resolved cases

Office Action

§101 §103 §112
DETAILED ACTION Introduction This Non-Final Office Action is in response to the application with serial number 18/921,661, filed on October 21, 2024. Claims 1, 2, 4, and 6-10 are amended via preliminary amendment. Claims 11-20 are added. Claims 1-20 are pending. Information Disclosure Statement The information disclosure statement filed on October 24, 2024, has been considered. 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. The Manual of Patent Examining Procedure (MPEP) provides detailed rules for determining subject matter eligibility for claims in §2106. Those rules provide a basis for the analysis and finding of ineligibility that follows. Claims 1-20 are rejected under 35 U.S.C. 101. The claimed invention is directed to non-statutory subject matter because the claimed invention recites a judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. Under Step 1 of the subject matter eligibility analysis, claims(s) 1-20 are all directed to one of the four statutory categories of invention. However, under step 2A, prong one, the claims recite a judicial exception: notifying users of benchmarks associated with records (as evidenced by exemplary independent claim 1: “determine a benchmark based on the revised plurality of real-time records;” and “push a notification via a user interface on the client device, the notification being associated with the benchmark”), an abstract idea. Certain methods of organizing human activity are ineligible abstract ideas, including managing personal behavior or relationships or interactions between people. See MPEP §2106.04(a). The limitations of exemplary claim 1 include: “receive . . . at least one parameter;” “process the at least one parameter;” “transmit [ ] at least one query to [a] database;” “receive . . . a plurality of real-time records responsive to the at least one query;” “receive an organization policy;” “remove at least one real-time record;” “determine a benchmark;” “push a notification . . . associated with the benchmark;” and “detect a change in the plurality of real-time records and push . . . an updated notification.” The steps are all steps for managing personal behavior related to the abstract idea of notifying users of benchmarks associated with records that, when considered alone and in combination, are part of the abstract idea of notifying users of benchmarks associated with records. The dependent claims further recite steps for managing personal behavior that are part of the abstract idea of notifying users of benchmarks associated with records. These claim elements, when considered alone and in combination, are considered to be abstract ideas because they are directed to a method of organizing human activity which includes determining whether a traveler is over a travel budget based on travel documents. Under step 2A, prong two, of the subject matter eligibility analysis, a claim that recites a judicial exception must be evaluated to determine whether the claim provides a practical application of the judicial exception. Additional elements of the independent claims amount to generic computer hardware that does not provide a practical application (a computing system with a processor, network interface, network, memory, and client device with a user interface in independent claim 1; and a computer implemented method with a client device in independent claim 6; and a method with a client device having a user interface and a network in independent claim 18). See MPEP §2106.04(d)[I]. The claims do not recite an improvement to another technology or technical field, nor do they recite an improvement to the functioning of the computer itself. See MPEP §2106.05(a). Because the claims only recite use of a generic computer, they do not apply the judicial exception with a particular machine. See MPEP §2106.05(b). Under step 2B of the subject matter eligibility analysis, the claims do not integrate the abstract idea into a judicial exception. Referring to the additional elements provided in the analysis in step one, above, the generic computer hardware does not provide significantly more than the recited abstract idea. See MPEP §2106.05(f). For these reasons, the claims do not provide a practical application of the abstract idea, nor do they amount to significantly more than an abstract idea under step 2B of the subject matter eligibility analysis. Using a generic computer to implement an abstract idea does not provide an inventive concept. Therefore, the claims recite ineligible subject matter under 35 USC §101. 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 18-20 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 18 recites the limitations "the client device" and "the network" in line 2. There is insufficient antecedent basis for these limitations in the claim. The dependent claims inherit the deficiency. Claim Rejections - 35 USC § 103 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. Claim(s) 1, 2, 6, 9, 11,13, 15-18, and 20 is/are rejected under 35 U.S.C. 103 as being unpatentable over US 20070150139 A1 to Hardy (hereinafter ‘HARDY’) in view of US 20040267595 A1 to Woodings et al. (hereinafter ‘WOODINGS’). Claim 1 (Currently Amended) HARDY discloses a computing system comprising: one or more processors (see ¶[0029]; a data processor that includes a central processing unit); a network interface (see ¶[0024] and [0044]; a wireless communication system and network. An interface between a tracking device and an external device) configured to transmit to a database and a client device via a network (see ¶[0034] and [0048]; a database program. See also ¶[0025]; a cellular phone); and a memory storing program instructions (see ¶[0026] and [0067]-[0069]; a memory and computer-readable instructions) that when executed by the one or more processors cause the one or more processors to at least: receive, from the client device over the network, at least one parameter associated with a user and an event (see abstract; the system queries the user verification when the user starts a trip. Travel data includes location, receipts, time and date); process the at least one parameter to construct at least one query based on the at least one parameter; transmit the at least one query to the database over the network (see ¶[0010] and [0050]; query the user for vehicle information about travel and receive validation data. Determine distance traveled during vehicle travel); receive, from the database over the network and in real-time based on continuously querying the database using the at least one query, a plurality of real-time records responsive to the at least one query (see ¶[0050]; the businesswoman responds to the query with input into the input device); receive an organizational policy including at least one organizational policy parameter (see ¶[0005], [0039], and [0064]; use a tax reimbursement form with strict rules for mileage deduction. Tax data includes and data required for proof of travel. Data is stored with a tax deduction flag. Determine the type of tax deduction data desired. See also ¶[0021]; determine if the user is within a travel budget). HARDY does not specifically disclose, but WOODINGS discloses, remove at least one real-time record from the plurality of real-time records based on at least one factor selected from the group consisting of an organizational policy parameter, an attribution preference, and a statistical attribute, to generate a revised plurality of real-time records (see ¶[0022]-[0023], [0249]-[0252], [0316]-[0318], [0388], and [0684] and Fig. 72; set filters for displaying information and documents. Search records by employee number, and work status. Searching records by a parameter. A default state for company preferences. Restrict access to memos based on user preferences and permissions. Display items based on user preferences, including contract hours and budgeted rate); determine a benchmark based on the revised plurality of real-time records (see ¶[0138]-[0140] and [0354]; keep the user informed about job cost. Track budget information. Provide information regarding costs of the job in relation to the budget. Allow a user to identify projects that a behind budget); push a notification via a user interface on the client device, the notification being associated with the benchmark (see ¶[0675]; utilize emails and pop up alerts to notify management of thresholds that have been reached. See also ¶[0508] and [0540]-[0541]; display travel expenses); and automatically detect a change in the plurality of real-time records and push, via the user interface on the client device, an updated notification associated with an updated benchmark based on the change in the plurality of real-time records (see ¶[0124], [0390], [0541], [0586], and [0675]-[0676]; the job file has an update list to send document updates whenever a document is updated for a job. Total travel/fringe is calculated based on the number of regular hours times the rate. Amounts are recalculated automatically as any number in the worker row is changed. Clicking save changes the time report row records in the database. Auto update can be set up on any level of information. Identify any information that has changed between users. The recipient receives the information in their IE mail box. Smart alerts empowers the user to say informed up to the minute). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes pop up alerts to notify management of thresholds that have been reached regarding budgets and travel expenses. It would have been obvious for one of ordinary skill in the art at the time of invention to include the pop up alerts as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. Claim 2 (Currently Amended) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. HARDY further discloses wherein the event includes a travel booking (see ¶[0038]; a travel itinerary) and wherein the real-time record is based on a price (see ¶[0021]; allow a user to determine if they are within a travel budget). Claim 6 (Currently Amended) HARDY discloses a computer implemented method (see ¶[0029]; a data processor that includes a central processing unit), comprising: receiving, from a client device (see ¶[0025]; a cellular phone), at least one parameter associated with an event (see abstract; the system queries the user verification when the user starts a trip. Travel data includes location, receipts, time and date). HARDY does not specifically disclose, but WOODINGS discloses, determining a plurality of real-time records that are responsive to the at least one parameter by continuously querying one or more databases (see ¶[0022]-[0023], [0249]-[0252], [0316]-[0318], [0388], and [0684] and Fig. 72; set filters for displaying information and documents. Search records by employee number, and work status. Searching records by a parameter. A default state for company preferences. Restrict access to memos based on user preferences and permissions. Display items based on user preferences, including contract hours and budgeted rate). HARDY further discloses determining a policy associated with the user (see ¶[0005], [0039], and [0064]; use a tax reimbursement form with strict rules for mileage deduction. Tax data includes and data required for proof of travel. Data is stored with a tax deduction flag. Determine the type of tax deduction data desired. See also ¶[0021]; determine if the user is within a travel budget). HARDY does not specifically disclose, but WOODINGS discloses, removing from consideration at least one real-time record from the plurality of real-time pricing travel records based on the travel policy to generate a plurality of policy compliant pricing travel records from the plurality of real-time records (see ¶[0022]-[0023], [0249]-[0252], [0316]-[0318], [0388], and [0684] and Fig. 72; set filters for displaying information and documents. Search records by employee number, and work status. Searching records by a parameter. A default state for company preferences. Restrict access to memos based on user preferences and permissions. Display items based on user preferences, including contract hours and budgeted rate); subsequent to removing the at least one real-time record, determining a budget for the event based on the plurality of policy compliant records (see ¶[0138]-[0140] and [0354]; keep the user informed about job cost. Track budget information. Provide information regarding costs of the job in relation to the budget. Allow a user to identify projects that a behind budget); pushing one or more notifications to the client device via a user interface on the client device, the one or more notifications being associated with the limit (see ¶[0675]; utilize emails and pop up alerts to notify management of thresholds that have been reached. See also ¶[0508] and [0540]-[0541]; display travel expenses); and corresponding to any updates to the plurality of policy compliant records (see ¶[0124], [0390], [0541], [0586], and [0675]-[0676]; the job file has an update list to send document updates whenever a document is updated for a job. Total travel/fringe is calculated based on the number of regular hours times the rate. Amounts are recalculated automatically as any number in the worker row is changed. Clicking save changes the time report row records in the database. Auto update can be set up on any level of information. Identify any information that has changed between users. The recipient receives the information in their IE mail box. Smart alerts empowers the user to say informed up to the minute); receiving an incurred value associated with the limit budget (see ¶[0138]-[0140] and [0354]; keep the user informed about job cost. Track budget information. Provide information regarding costs of the job in relation to the budget. Allow a user to identify projects that a behind budget); pushing a representation via the user interface on the client device, the representation being associated with the incurred value relative to the budget (see ¶[0675]; utilize emails and pop up alerts to notify management of thresholds that have been reached. See also ¶[0508] and [0540]-[0541]; display travel expenses). HARDY further discloses providing the incurred value to a further database other than the one or more databases to facilitate reimbursement of the incurred expense (see ¶[0004]-[0005]; people involved in a business use a tax reimbursement form to report business expenses. See also ¶[0034]; use data base programs to store data for processing). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes pop up alerts to notify management of thresholds that have been reached regarding budgets and travel expenses. It would have been obvious for one of ordinary skill in the art at the time of invention to include the pop up alerts as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. Claim 9 (Currently Amended) The combination of HARDY and WOODINGS discloses the computer implemented method as set forth in claim 6. HARDY further discloses wherein receiving the incurred value associated with the event includes: obtaining an image of a document associated with the incurred value; and performing character recognition on the image of the document (see ¶[0045]; scanner may facilitate optical character recognition to convert printed data into searchable data). Claim 11 (New) The combination of HARDY and WOODINGS discloses the computer implemented method as set forth in claim 6. HARDY further discloses wherein the event is a travel booking (see ¶[0038]; a travel itinerary). Claim 13 (New) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. HARDY further discloses wherein the program instructions further include instructions that, when executed by the one or more processors, cause the computing system to at least: transmit the at least one query to the database over the network (see ¶[0010] and [0050]; query the user for vehicle information about travel and receive validation data. Determine distance traveled during vehicle travel). Claim 15 (New) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. HARDY does not specifically disclose, but WOODINGS discloses, wherein the program instructions further include instructions that, when executed by the one or more processors, cause the computing system to at least: subsequent to a removal of at least one of the plurality of records, provide the revised plurality of real-time records for presentation on the client device (see ¶[0022]-[0023], [0249]-[0252], [0316]-[0318], [0388], and [0684] and Fig. 72; set filters for displaying information and documents. Search records by employee number, and work status. Searching records by a parameter. A default state for company preferences. Restrict access to memos based on user preferences and permissions. Display items based on user preferences, including contract hours and budgeted rate). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes filters for displaying information and documents. It would have been obvious for one of ordinary skill in the art at the time of invention to include the filters as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. Claim 16 (New) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. HARDY does not specifically disclose, but WOODINGS discloses, wherein the program instructions further include instructions that, when executed by the one or more processors, cause the computing system to at least: receive an incurred value associated with the benchmark; and push a representation via the user interface on the client device, the representation being associated with the incurred value relative to the benchmark (see ¶[0675]; utilize emails and pop up alerts to notify management of thresholds that have been reached. See also ¶[0508] and [0540]-[0541]; display travel expenses). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes pop up alerts to notify management of thresholds that have been reached regarding budgets and travel expenses. It would have been obvious for one of ordinary skill in the art at the time of invention to include the pop up alerts as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. Claim 17 (New) The combination of HARDY and WOODINGS discloses the system as set forth in claim 16. HARDY further discloses wherein the program instructions further include instructions that, when executed by the one or more processors, cause the computing system to at least: provide the incurred value to a further database other than the one or more databases to facilitate reimbursement of the incurred expense (see ¶[0004]-[0005]; people involved in a business use a tax reimbursement form to report business expenses. See also ¶[0034]; use data base programs to store data for processing). Claim 18 (New) HARDY discloses a method (see abstract; a system and method) comprising: receiving, from the client device over the network (see ¶[0024] and [0044]; a wireless communication system and network. An interface between a tracking device and an external device), at least one parameter associated with a user and an event (see abstract; the system queries the user verification when the user starts a trip. Travel data includes location, receipts, time and date); processing the at least one parameter to construct at least one query based on the at least one parameter; transmitting the at least one query to the database over the network (see ¶[0010] and [0050]; query the user for vehicle information about travel and receive validation data. Determine distance traveled during vehicle travel); receiving, from the database over the network and in real-time based on continuously querying the database using the at least one query, a plurality of real-time records responsive to the at least one query (see ¶[0050]; the businesswoman responds to the query with input into the input device); and receiving an organizational policy including at least one organizational policy parameter (see ¶[0005], [0039], and [0064]; use a tax reimbursement form with strict rules for mileage deduction. Tax data includes and data required for proof of travel. Data is stored with a tax deduction flag. Determine the type of tax deduction data desired. See also ¶[0021]; determine if the user is within a travel budget). HARDY does not specifically disclose, but WOODINGS discloses, removing at least one real-time record from the plurality of real-time records based on at least one factor selected from the group consisting of an organizational policy parameter, an attribution preference, and a statistical attribute, to generate a revised plurality of real-time pricing records (see ¶[0022]-[0023], [0249]-[0252], [0316]-[0318], [0388], and [0684] and Fig. 72; set filters for displaying information and documents. Search records by employee number, and work status. Searching records by a parameter. A default state for company preferences. Restrict access to memos based on user preferences and permissions. Display items based on user preferences, including contract hours and budgeted rate); determining a benchmark based on the revised plurality of real-time records (see ¶[0138]-[0140] and [0354]; keep the user informed about job cost. Track budget information. Provide information regarding costs of the job in relation to the budget. Allow a user to identify projects that a behind budget); pushing a notification via a user interface on the client device, the notification being associated with the benchmark (see ¶[0675]; utilize emails and pop up alerts to notify management of thresholds that have been reached. See also ¶[0508] and [0540]-[0541]; display travel expenses); and detecting a change in the plurality of real-time records and push, via the user interface on the client device, an updated notification associated with an updated budget benchmark based on the change in the plurality of real-time records (see ¶[0124], [0390], [0541], [0586], and [0675]-[0676]; the job file has an update list to send document updates whenever a document is updated for a job. Total travel/fringe is calculated based on the number of regular hours times the rate. Amounts are recalculated automatically as any number in the worker row is changed. Clicking save changes the time report row records in the database. Auto update can be set up on any level of information. Identify any information that has changed between users. The recipient receives the information in their IE mail box. Smart alerts empowers the user to say informed up to the minute). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes pop up alerts to notify management of thresholds that have been reached regarding budgets and travel expenses. It would have been obvious for one of ordinary skill in the art at the time of invention to include the pop up alerts as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. Claim 20 (New) The combination of HARDY and WOODINGS discloses the method as set forth in claim 18. HARDY does not specifically disclose, but WOODINGS discloses, further comprising: receiving an incurred value associated with the benchmark (see ¶[0138]-[0140] and [0354]; keep the user informed about job cost. Track budget information. Provide information regarding costs of the job in relation to the budget. Allow a user to identify projects that a behind budget); pushing a representation via the user interface on the client device, the representation being associated with the incurred value relative to the benchmark (see ¶[0675]; utilize emails and pop up alerts to notify management of thresholds that have been reached. See also ¶[0508] and [0540]-[0541]; display travel expenses). HARDY further discloses providing the incurred value to a further database other than the one or more databases to facilitate reimbursement of the incurred expense (see ¶[0004]-[0005]; people involved in a business use a tax reimbursement form to report business expenses. See also ¶[0034]; use data base programs to store data for processing). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes pop up alerts to notify management of thresholds that have been reached regarding budgets and travel expenses. It would have been obvious for one of ordinary skill in the art at the time of invention to include the pop up alerts as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. Claim(s) 3 is/are rejected under 35 U.S.C. 103 as being unpatentable over US 20070150139 A1 to HARDY in view of US 20040267595 A1 to WOODINGS et al. as applied to claims 1 and 2 above, and further in view of US 5781892 A to Hunt et al. (hereinafter ‘HUNT’). Claim 3 (Original) The combination of HARDY and WOODINGS discloses the system as set forth in claim 2. The combination of HARDY and WOODINGS does not specifically disclose, but HUNT discloses, wherein the plurality of attribution preferences includes at least one of airline, time of day, number of stops, type of seat, type of plane, possibility of upgrade, on-board amenities, type of room, and airports (see col 2, ln 42-53; filter airline reservation information according to a specific airline). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes pop up alerts to notify management of thresholds that have been reached regarding budgets and travel expenses that includes filters for displaying documents. HUNT discloses a travel reservation system that includes filtering airline travel information according to airline. It would have been obvious for one of ordinary skill in the art at the time of invention to include the filtering based on airline as taught by HUNT in the system executing the method of HARDY and WOODINGS with the motivation to filter travel documents. Claim(s) 4, 5, and 19 is/are rejected under 35 U.S.C. 103 as being unpatentable over US 20070150139 A1 to HARDY in view of US 20040267595 A1 to WOODINGS et al. as applied to claims 1 and 2 above, and further in view of US 20140358825 A1 to Phillips et al. (hereinafter ‘PHILLIPS’). Claim 4 (Currently Amended) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. HARDY does not specifically disclose, but WOODINGS discloses, wherein to remove the at least one real-time record from the plurality of real-time records is based on an attribution preference (see ¶[0022]-[0023], [0249]-[0252], [0316]-[0318], [0388], and [0684] and Fig. 72; set filters for displaying information and documents. Search records by employee number, and work status. Searching records by a parameter. A default state for company preferences. Restrict access to memos based on user preferences and permissions. Display items based on user preferences, including contract hours and budgeted rate); HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). WOODINGS discloses a worker an document management system that includes searching and filtering records based on record parameters. It would have been obvious for one of ordinary skill in the art at the time of invention to include the parameter based filtering as taught by WOODINGS in the system executing the method of HARDY with the motivation to track vehicle travel and expenditures. The combination of HARDY and WOODINGS does not specifically disclose, but PHILLIPS discloses, wherein the program instructions, when executed by the one or more processors, further cause the one or more processors to: determine a plurality of attribution preferences based on the plurality of historical data, wherein a determination of the attribution preferences includes providing a weight of importance for each of the plurality of attribution preferences (see ¶[0096]; rank attributes according to a frequency that an attribute occurred). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[) that collects attribute data from customers (see ¶[0035]). PHILLIPS discloses machine learning with data display that includes impact metrics ranked according to frequency of occurrence. It would have been obvious to rank attributes according to frequency of occurrence as taught by PHILLIPS in the system executing the method of HARDY with the motivation to analyze customer data with attributes. Claim 5 (Original) The combination of HARDY, WOODINGS, and PHILLIPS discloses the system as set forth in claim 4. HARDY does not specifically disclose, but PHILLIPS discloses, wherein each weight of importance is correlated to a frequency for each of the plurality of attribution preferences (see ¶[0096]; rank attributes according to a frequency that an attribute occurred). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[) that collects attribute data from customers (see ¶[0035]). PHILLIPS discloses machine learning with data display that includes impact metrics ranked according to frequency of occurrence. It would have been obvious to rank attributes according to frequency of occurrence as taught by PHILLIPS in the system executing the method of HARDY with the motivation to analyze customer data with attributes. Claim 19 (New) The combination of HARDY and WOODINGS discloses the method as set forth in claim 18. The combination of HARDY and WOODINGS does not specifically disclose, but PHILLIPS discloses, wherein to remove the at least one real-time record from the plurality of real-time records is based on an attribution preference; and wherein the method further comprises: determining a plurality of attribution preferences based on the plurality of historical data, wherein a determination of the attribution preferences includes providing a weight of importance for each of the plurality of attribution preferences (see ¶[0096]; rank attributes according to a frequency that an attribute occurred). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[) that collects attribute data from customers (see ¶[0035]). PHILLIPS discloses machine learning with data display that includes impact metrics ranked according to frequency of occurrence. It would have been obvious to rank attributes according to frequency of occurrence as taught by PHILLIPS in the system executing the method of HARDY with the motivation to analyze customer data with attributes. Claim(s) 7 is/are rejected under 35 U.S.C. 103 as being unpatentable over US 20070150139 A1 to HARDY in view of US 20040267595 A1 to WOODINGS et al. as applied to claim 6 above, and further in view of US 20130325557 A1 to Ricci et al. (hereinafter ‘RICCI’). Claim 7 (Currently Amended) The combination of HARDY and WOODINGS discloses the computer implemented method as set forth in claim 6. The combination of HARDY and WOODINGS does not specifically disclose, but RICCI discloses, further comprising: determining an incentive based on the incurred value relative to the limit, wherein the incentive is directly proportional to a remaining budget until the limit is reached (see ¶[0033]; provide a gain share model to business travel and entertainment expenses, thereby connecting cost-saving with cash payments to employees and creating an incentive for employees to select less expensive travel and entertainment options). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). RICCI discloses managing travel costs by providing employees with cash payments as an incentive to select less expensive travel options. It would have been obvious to include the cash payments as taught by RICCI in the system executing the method of HARDY with the motivation to manage travel expenditures. Claim(s) 8 and 12 is/are rejected under 35 U.S.C. 103 as being unpatentable over US 20070150139 A1 to HARDY in view of US 20040267595 A1 to WOODINGS et al. as applied to claim 6 above, and further in view of US 20040054562 A1 to Tanaka (hereinafter ‘TANAKA’). Claim 8 (Currently Amended) The combination of HARDY and WOODINGS the computer implemented method as set forth in claim 6. The combination of HARDY and WOODINGS does not explicitly disclose, but TANAKA discloses, further comprising: determining a range associated with the plurality of records; and removing at least one record from the plurality of real-time records having a record value outside of the range (see ¶[0034] and Fig. 7; a budget report that is filtered using a date range increment). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). TANAKA discloses an enterprise management tool that includes a budget report that is filtered by date ranges. It would have been obvious for one of ordinary skill in the art at the time of invention to filter a budget report according to date ranges as taught by TANAKA in the system executing the method of HARDY with the motivation to determine whether a user is within a travel budget. Claim 12 (New) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. The combination of HARDY and WOODINGS does not explicitly disclose, but TANAKA discloses, wherein the program instructions further include instructions that, when executed by the one or more processors, cause the computing system to at least: determine a range associated with the plurality of records; and remove at least one record from the plurality of records having a record value outside of the range (see ¶[0034] and Fig. 7; a budget report that is filtered using a date range increment). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). TANAKA discloses an enterprise management tool that includes a budget report that is filtered by date ranges. It would have been obvious for one of ordinary skill in the art at the time of invention to filter a budget report according to date ranges as taught by TANAKA in the system executing the method of HARDY with the motivation to determine whether a user is within a travel budget. Claim(s) 10 and 14 is/are rejected under 35 U.S.C. 103 as being unpatentable over US 20070150139 A1 to HARDY in view of US 20040267595 A1 to WOODINGS et al. as applied to claim 6 above, and further in view of US 20140358743 A1 to Marseille (hereinafter ‘MARSEILLE’). Claim 10 (Currently Amended) The combination of HARDY and WOODINGS discloses the computer implemented method as set forth in claim 6. The combination of HARDY and WOODINGS does not explicitly disclose, but MARSEILLE discloses, wherein receiving the incurred value associated with the event includes: obtaining transaction information associated with the incurred value from a third-party system (see ¶[0026]; the system may also include other types of data, such as weather, traffic, current exchange rates, reference prices/costs for travel related expenses in various locations around the world, and the like via interface to third-party data sources 140). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). MARSEILLE discloses a travel mistake and fraud detection system that includes obtaining travel related expense information from third-party data sources. It would have been obvious for one of ordinary skill in the art at the time of invention to include the third-party data sources as taught by MARSEILLE in the system executing the method of HARDY with the motivation to determine whether a user is within a travel budget. Claim 14 (New) The combination of HARDY and WOODINGS discloses the system as set forth in claim 1. The combination of HARDY and WOODINGS does not explicitly disclose, but MARSEILLE discloses, wherein the program instructions further include instructions that, when executed by the one or more processors, cause the computing system to at least: determine a statistical attribute associated with the plurality of real-time records; and wherein the at least one factor selected from the group includes the statistical attribute (see ¶[0034]; if reference or historical values of travel expenses are within a historical threshold, classify as reasonable. If not, classify as a mistake or fraud). HARDY discloses a method for tracking vehicle travel and expenditures that includes determining whether a user is within a travel budget (see ¶[0021[). MARSEILLE discloses a travel mistake and fraud detection system that includes obtaining travel related expense information and classifying the information as reasonable or fraudulent based on a statistical threshold. It would have been obvious for one of ordinary skill in the art at the time of invention to include the statistical threshold as taught by MARSEILLE in the system executing the method of HARDY with the motivation to determine whether expenses are reasonable or potentially fraudulent. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to RICHARD N SCHEUNEMANN whose telephone number is (571)270-7947. The examiner can normally be reached M-F 9am-5pm EST. 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, Patricia Munson can be reached at 571-270-5396. 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. /RICHARD N SCHEUNEMANN/Primary Examiner, Art Unit 3624
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Prosecution Timeline

Oct 21, 2024
Application Filed
Feb 06, 2026
Non-Final Rejection — §101, §103, §112 (current)

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Prosecution Projections

1-2
Expected OA Rounds
6%
Grant Probability
15%
With Interview (+8.4%)
4y 7m
Median Time to Grant
Low
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