Notice of Pre-AIA or AIA Status
The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA .
DETAILED ACTION
This action is in reply to the request for continued examination filed on 05/05/2026.
Claims 1, 2, 9-13, 15 and 16 have been amended.
Claims 8 and 17 have been canceled.
Claims 1-7, 9-16 are pending and have been examined.
Continued Examination Under 37 CFR 1.114
A request for continued examination under 37 CFR 1.114, including the fee set forth in 37 CFR 1.17(e), was filed in this application after final rejection. Since this application is eligible for continued examination under 37 CFR 1.114, and the fee set forth in 37 CFR 1.17(e) has been timely paid, the finality of the previous Office action has been withdrawn pursuant to 37 CFR 1.114. Applicant's submission filed on 05/05/2026 has been entered.
Response to Arguments
With regard to the Double Patenting rejection, the rejection is maintained since the claims of both the parent and grandparent case still cover the scope of the amended claims.
With regard to the 101 rejection, the arguments have been considered but they are not persuasive. The Applicant asserted that the amended claims of the instant case “. . . the proposed claim includes detailed steps on how the system creates a single data table out of a plurality of data tables that is configured to store cross-references indexed by location identifiers and then query just this single data table when a request is received . .” However, the claim recited concept of associating geolocation with credit risk, and thus, is directed to business relations – commercial interactions (Certain Methods of Organizing Human Activity).
In step 2A Prong Two, the applicant cited Enfish, LLC, and asserted that the recited judicial exception is integrated into a practical application. However, The Examiner does not see the parallel between the claims of the instant case and those of Enfish. In Enfish, the claims describe the steps of configuring a computer memory in accordance with a self-referential table, in both method and system claims. The focus of the claims in Enfish is on the specific asserted improvement in computer capabilities (i.e., the self-referential table for a computer database). Specifically, the claimed invention in Enfish achieves other benefits over conventional databases, such as increased flexibility, faster search times, and smaller memory requirements. Hence, the Enfish claims were not directed to an abstract idea. On the other hand, the Applicant’s claims do not involve any improvements to another technology, technical field, or improvements to the functioning of the computer itself. The invention in Enfish was a technological solution to a technological problem (using self-referential table for a computer database rather than using conventional table for a computer database), whereas the Applicants’ invention is a business solution to a problem rooted in an abstract idea.
Simply executing an abstract concept on a computer does not render a computer "specialized," nor does it transform a patent-ineligible claim into a patent-eligible one. See Bancorp Servs., LLC v. Sun Life Assurance Co. of Can., 687 F.3d 1266, 1280 (Fed. Cir. 2012).
In Bilski and in Alice, the specific features of the claimed method/system did not change the fact that the claims were drawn to an abstract idea. This interpretation of this abstract idea is based in light of the Alice decision and the updates in the MPEP. Hence the claims are drawn to an abstract idea.
Furthermore, the Applicant cited McRo, Inc., and asserted that Claim 1 is “directed to a specific means or method that improves the relevant technology’. . .” However, The Examiner does not see the parallel between the claims of the instant case and those of McRo (McRo, Inc. v. Bandai Namco Games Am., 2015-1080 (Fed. Cir. Sept. 13, 2016)). In McRo the patents relate to “automating part of a preexisting 3-D animation method”, which were to be done manually before the issuance of the patent. The claims were directed to an asserted improvement in computer animation technology such as directed to a patentable technological improvement over the existing, manual 3D animation techniques. In other words, “the claims are limited to rules with specific characteristics” which allow for the improvement realized by the invention. Specifically at McRo *22, “As the specification confirms, the claimed improvement here is allowing computers to produce “accurate and realistic lip synchronization and facial expressions in animated characters” that previously could only be produced by human animators. ’576 patent col. 2 ll. 49–50.” Hence the claims in McRo were patent eligible because they recited significantly more than an abstract idea. However, the Applicants’ invention is a business solution to a problem rooted in an abstract idea as stated multiple times above. The claimed limitations and the claimed computing functionality does not incorporate a complex set of rules which allow the computer to be improved. In contrast, the claimed functions such as “obtaining data generated . . .”, “creating . . . a set of data tables”, “creating and storing . . . cross-references between at least one location indicator . . .”, “generating and storing . . . geo-spatial area”, “identifying . . .at least one security”, “updating . . data table”, “generating an interactive GUI . . .” are conventional functions of a computer system. The computer is merely a platform on which the abstract idea is implemented. Hence, the limitations are not indicative of integration into a practical application. They are Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Under Step 2B Prong Two, the Applicant asserted that the “pending claims recite significantly more than any abstract idea. The Applicant then cited BASCOM, and alleged that the claim recited an “inventive concept”. The Examiner, however, does not see the parallel between the claims of the instant case and those of Bascom. In Bascom, the claims describe a filtering system by providing customized filters at a remote server. Specifically, in Bascom an ISP server receives a request to access a website, associates the request with a particular user, and identifies the requested website. The filtering tool then applies the filtering mechanism associated with the particular user to the requested website to determine whether the user associated with that request is allowed access to the website. The filtering tool returns either the content of the website to the user, or a message to the user indicating that the request was denied. In Bascom another group of claims describe a hybrid filtering scheme implemented on the ISP server comprised of a master-inclusive list, an individual-customizable set of exclusive lists, and an individual-customizable set of inclusive lists. The focus of the claims in Bascom is on the specific asserted improvement in filtering technology by providing individually customizable filtering at the remote ISP server by taking advantage of the technical capability of certain communication networks. Specifically, the claimed invention in Bascom achieves other benefits over conventional filtering by providing Internet-content filtering in a manner that can be customized for a person attempting to access such content while avoiding the need for (potentially millions of) local servers or computers to perform such filtering and while being less susceptible to circumvention by the user, and structuring a filtering scheme not just to be effective, but also to make user-level customization administrable as users are added instead of becoming intractably complex. Hence the Bascom claims are not directed to an abstract idea. On the other hand the Applicant’s claims do not involve any improvements to another technology, technical field, or improvements to the functioning of the computer itself. The invention in Bascom was a technological solution to a technological problem (using an improved filtering technology rather than using conventional filtering technology). Whereas the Applicants’ invention is a business solution to a problem rooted in an abstract idea. The arrangement of obtaining data from one or more data source systems, creating a set of data tables, creating and storing in a set of data tables, identifying at least one security of the security data, creating one or more links among the identified at least one security, storing the instrument-level data, updating the set of data table, generating a displaying does not involve any improvements to another technology, technical field, or improvements to the functioning of the computer itself.
The limitations are not indicative of an inventive concept (aka “significantly more”): Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Therefore, the claim is not patent eligible under both Step 2A and 2B analysis. The 101 rejection is maintained.
With regard to the 103 rejection, the arguments have been considered and they are persuasive. The applicant incorporated claim 17 into the independent claim and further amended claim 1.
Health disclosed a technique, method, apparatus, and system to provide educational related, integrated social networking, real time geospatial mapping, geo-target location based technologies including GPS and GIS and multiple points of interest, receiving current location of user's electronic or mobile device and multiple points of interest, cloud-type configuration storing and handling user data across multiple enterprises, generating user behavior data and ad links, promotions ("social/geo/promo") links on a website for educational related products, goods, and/or services, including educational related social/geo/promo data sets for user customized visual displays showing 3D map presentations with correlated or related broad or alternative categories of social/geo/promo links to be displayed with web page content for view and interaction by an end user.
Diriyie discloses an example operation may include one or more of receiving, by a blockchain node, a request to transfer an asset, generating a blockchain transaction, obtaining one or more rules from a smart contract corresponding to a smart contract identifier, and comparing one or more parameters to the one or more rules to obtain a risk level. In response to the risk level being greater than a threshold, the example operation includes not executing the blockchain transaction. In response to the risk level not being greater than the threshold, the example operation includes executing the transaction. The request includes the smart contract identifier and the one or more parameters. The asset includes one of a trade item or a service to be performed. The blockchain transaction includes the smart contract identifier and the one or more parameters.
Coogan-Pushner teaches: an aspect includes creating a municipal solvency (MSX) database. The creating includes collecting and coding data from public sources about a plurality of municipalities. Predictive models are generated based on contents of the MSX database, the predictive models describing drivers of municipal solvency and predictors of material financial events (MFEs) for each of the municipalities. Probabilities of one or more MFEs are predicted for each of the municipalities, the estimating based on the predictive models. Indices that reflect solvency and a probability of an MFE for at least one of the municipalities are created. The indices are output.
Kamalski teaches: Disclosed is a mobile terminal characterized by a first manipulation unit (7) which is designed to modify control data (CD) contained in a received piece of traffic information (TI) in such a way that a decoding device (5) and an access control device (9) are activated by an evaluation unit (8) also when the traffic information (TI) has a non-encoded location designation (LC). The access control device (9) can thus use user control designed for encoded location data (cLC) also for traffic information services in which the location designations are not encoded.
None of the cited references, individually or in combination, discloses the amended claim – with the incorporation of claim 17. Hence, the combination is not obvious. The 103 rejection is therefore withdrawn.
Double Patenting
The nonstatutory double patenting rejection is based on a judicially created doctrine grounded in public policy (a policy reflected in the statute) so as to prevent the unjustified or improper timewise extension of the “right to exclude” granted by a patent and to prevent possible harassment by multiple assignees. A nonstatutory double patenting rejection is appropriate where the conflicting claims are not identical, but at least one examined application claim is not patentably distinct from the reference claim(s) because the examined application claim is either anticipated by, or would have been obvious over, the reference claim(s). See, e.g., In re Berg, 140 F.3d 1428, 46 USPQ2d 1226 (Fed. Cir. 1998); In re Goodman, 11 F.3d 1046, 29 USPQ2d 2010 (Fed. Cir. 1993); In re Longi, 759 F.2d 887, 225 USPQ 645 (Fed. Cir. 1985); In re Van Ornum, 686 F.2d 937, 214 USPQ 761 (CCPA 1982); In re Vogel, 422 F.2d 438, 164 USPQ 619 (CCPA 1970); In re Thorington, 418 F.2d 528, 163 USPQ 644 (CCPA 1969).
A timely filed terminal disclaimer in compliance with 37 CFR 1.321(c) or 1.321(d) may be used to overcome an actual or provisional rejection based on nonstatutory double patenting provided the reference application or patent either is shown to be commonly owned with the examined application, or claims an invention made as a result of activities undertaken within the scope of a joint research agreement. See MPEP § 717.02 for applications subject to examination under the first inventor to file provisions of the AIA as explained in MPEP § 2159. See MPEP § 2146 et seq. for applications not subject to examination under the first inventor to file provisions of the AIA . A terminal disclaimer must be signed in compliance with 37 CFR 1.321(b).
The filing of a terminal disclaimer by itself is not a complete reply to a nonstatutory double patenting (NSDP) rejection. A complete reply requires that the terminal disclaimer be accompanied by a reply requesting reconsideration of the prior Office action. Even where the NSDP rejection is provisional the reply must be complete. See MPEP § 804, subsection I.B.1. For a reply to a non-final Office action, see 37 CFR 1.111(a). For a reply to final Office action, see 37 CFR 1.113(c). A request for reconsideration while not provided for in 37 CFR 1.113(c) may be filed after final for consideration. See MPEP §§ 706.07(e) and 714.13.
The USPTO Internet website contains terminal disclaimer forms which may be used. Please visit www.uspto.gov/patent/patents-forms. The actual filing date of the application in which the form is filed determines what form (e.g., PTO/SB/25, PTO/SB/26, PTO/AIA /25, or PTO/AIA /26) should be used. A web-based eTerminal Disclaimer may be filled out completely online using web-screens. An eTerminal Disclaimer that meets all requirements is auto-processed and approved immediately upon submission. For more information about eTerminal Disclaimers, refer to www.uspto.gov/patents/apply/applying-online/eterminal-disclaimer.
Claims 1-17 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-17 of U.S. Patent No. 12,175, 530 (parent case). Although the claims at issue are not identical, they are not patentably distinct from each other because the claims in the parent case anticipated the claims in the instant application.
Claims 1-17 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-16 of U.S. Patent No. 11,961,139 (grandparent case). Although the claims at issue are not identical, they are not patentably distinct from each other because the claims in the grandparent case anticipated the claims in the instant application.
Current Application – 18/937,905
U.S. Patent No. – 12,175,530
Claim 1. (Currently Amended) A system for geographical mapping and linking of disparate data structures for interaction, the system comprising: a geo mapping server in communication with one or more data source systems and one or more servers, the geo mapping configured to: obtain data generated from among the one or more data source systems, the data comprising geo-spatial data comprising a plurality of geo-spatial areas having disparate formats, security data, and additional data comprising one or more of economic data and demographic data; create, in at least one storage structure one of the one or more servers, a plurality of data tables; identify a relationship between a location identifier and one or more geo-spatial areas of the plurality of geo-spatial areas outside of an area defined by the location identifier based on at least one statistical algorithm configured to determine a best fit;
store, in a first data table of the plurality of data tables, the geo-spatial data and an indicator based on the additional data for each of the plurality of geo-spatial areas; store, in a second data table of the plurality of data tables, instrument-level data comprising the indicator for each security of the plurality of securities formed from the security data; identify a relationship between a location identifier and one or more geo-spatial areas of the plurality of geo-spatial areas outside of an area defined by the location identifier based on at least one statistical algorithm configured to determine a best fit based on at least one predetermined criteria including one or more of a coverage area and a population density; map the location identifier to the one or more geo-spatial areas based on a maximum area of intersection between the location identifier in accordance with the at least one predetermined criteria; create, using a geo-spatial join process, a cross-reference between the location identifier and the one or more geo-spatial areas, the geo-spatial join process comprising: converting the geo-spatial data associated with the location identifier into first data having a tabular format, converting the geo-spatial data associated with the one or more geo-spatial areas into second data having the tabular format, and merging the first data and the second data via a tabular operation; create, in a storage structure of the geo mapping server, a cross-reference data table; store, in the cross reference, the cross-reference indexed by the location identifier; create, one or more links between entries in the first data table, entries in the second data table, and entries in the cross-reference data table based on one or more of the cross-reference and the indicator; receive, via an interactive graphical user interface (GUI) configured for display on one or more of an interactive webpage and a mobile application, user input comprising a query about ta security of the plurality of securities, the security with the local identifier; query the cross-reference data table for the location identifier to identify the cross reference; retrieve, from the entries in the first data table and the entries the second data table, the geo-spatial data and the instrument-level data and associated with the security based on the one or more links; and; update one or more of the plurality of data tables and the one or more links in response to any changes in the data obtained from the one or more data source systems, by at least one of: updating one or more existing data entries stored among the plurality of data tables.
2. (Previously Presented) The system of claim 1, wherein the geo mapping server is configured to disseminate at least one of the instrument-level data and the indicator to at least one dissemination entity.
3. (Original) The system of claim 2, wherein the at least one dissemination entity comprises at least one of a client device, an external distribution system, a delivery platform and an external database.
4. (Original) The system of claim 1, wherein the geo-spatial data comprises one or more of demographic data, economic data, social data and healthcare data.
5. (Original) The system of claim 1, wherein the additional data is associated with at least one of the one or more geo-spatial areas, the additional data comprising one or more of population data, income data, migration data, labor data, housing data, education data and healthcare data.
6. (Original) The system of claim 1, wherein the one or more geo-spatial areas comprise one or more of at least one city, at least one subdivision, at least one county, at least one state, a multi-state area, a metropolitan statistical area, a micropolitan statistical area and a core base statistical area.
7. (Currently Amended) The system of claim 1, wherein the location identifier comprises one or more zip codes.
8. (Original) The system of claim 1, wherein the at least one predetermined criteria includes one or more of a coverage area and a population density.
9. (Original) The system of claim 1, wherein the geo mapping server is configured to continually monitor the data among the one or more data source systems in at least one of real- time or near real-time and obtain the data responsive to the monitoring.
10. (Original) The system of claim 1, wherein the geo mapping server is configured to determine at least one of a score and a ranking of the indicator based on at least one predetermined attribute of the additional data.
11. (Original) The system of claim 1, wherein the geo mapping server is configured to store the geo-spatial data, the security data and the additional data in one or more data tables associated with the at least one storage structure.
12. (Original) The system of claim 11, wherein the geo mapping server is configured to one or more of filter, normalize and format, using a data integrator tool associated with the at least one server, at least a portion of the data among the geo-spatial data, the security data, and the additional data, prior to entry within the one or more data tables.
13. (Original) The system of claim 1, wherein the at least one structure of the one or more servers and the storage structure of the geo mapping server comprise one or more of at least one database and at least one in-memory cache.
14. (Original) The system of claim 1, wherein the identified at least one security comprises at least one municipal security.
15. (Original) The system of claim 1, wherein the geo mapping server is configured to receive user input via the one or more user tools, the user input associated with at least one of querying the third data table and creating user-customized instrument-level data.
16. (Original) The system of claim 1, wherein: the one or more links comprise a first link and a second link, the first link being created between the security and at least one among the one or more geo-spatial areas based on the one or more cross-references in the first data table, and the second link being created between the indicator in the second data table and the identified at least one security based on the first link, to form the instrument-level data for the identified at least one security.
17. (Currently Amended) The system of claim 1, wherein the geo mapping server is configured to map the location identifier to the one or more geo-spatial areas based on a maximum area of intersection between the
1. A method for geographical mapping and linking of disparate data structures for interaction, the method comprising: obtaining, via at least one server in communication with one or more data source systems, data generated from among the one or more data source systems, the data comprising geo-spatial data, security data, and additional data,
creating, in at least one storage structure, a set of data tables,
creating and storing, by the at least one server, in a first data table among the set of data tables, one or more cross-references between one or more location indicators and one or more geo- spatial areas based on at least one statistical algorithm, in accordance with the geo-spatial data, wherein the at least one statistical algorithm is configured to query the geo-spatial data and map the one or more location indicators to the one or more geo-spatial areas in accordance with at least one predetermined criteria;
generating and storing, by the at least one server, for each of the one or more geo-spatial areas, at least one credit risk indicator based on the additional data, to form credit risk indicator data stored in a second data table among the set of data tables;
identifying, by the at least one server, at least one security of the security data, the identified at least one security associated with at least one among the one or more location indicators;
creating, by the at least one server, one or more Hinks among the identified at least one security, the one or more geo-spatial areas and the at least one credit risk indicator among the credit risk indicator data, based on the one or more cross-references in the first data table, to form instrument-level data for the identified at least one security including the at least one credit risk indicator; storing the instrument-level data for the identified at least one security in a third data table among the set of data tables; updating the set of data tables in response to any changes in the data obtained from the one or more data source systems, by at least one of updating one or more existing data entries stored among the set of data tables and adding one or more new data entries among the set of data tables: and generating an interactive graphical user interface (GUD vie at least one interactive webpage, the interactive GUI comprising one or more user tools configured to query the set of data tables including any updated data entries and any added data entries.
2. The method of claim 1, the method further comprising:
disseminating, by the at least one server, at least one of the instrument-level date and the credit risk indicator data to at least one dissemination entity.
3. The method of claim 2, wherein the at least one dissemination entity comprises at least one of a client device, an external distribution system, a delivery platform and an external database.
4. The method of claim 1, wherein the geo-spatial data comprises one or more of demographic data, economic data, social data and healthcare data.
5, The method of claim 1, wherein the additional data is associated with at least one of the one or more geo-spatial areas, the additional data comprising one or more of population data, income data, migration data, labor data, housing data, education data and healthcare data.
6. The method of claim 1, wherein the one or more geo-spatial areas comprise one or more of at least one city, at least one subdivision, at least one county, at least one state, a multi-state arca, a metropolitan statistical area, a micropolitan statistical area and a core base statistical area.
7. The method of claim 1, wherein the one or more location indicators comprise ate or more zip codes.
8. The method of claim 1, wherein the at least one predetermined criteria includes one or more of 4 coverage area and a population density.
9. The method of claim 1, the method further comprising: continually monitoring, vie the at least one server, the data among the one or more data source systems in at least one of real-time or near real-time; and obtaining the data responsive to the monitoring.
10. The method of claim 1, the method further comprising: determining, by the at least one server, at least one of a score and a ranking of the at least one credit risk indicator based on at least one predetermined attribute of the additional data.
11. The method of claim 1, the method further comprising: storing the goo-spatial data, the security data and the additional data in one or more data tables associated with the at least one storage structure.
12. The method of claim 11, the method further comprising:
one or more of filtering, normalizing and formatting, using a data integrator tool associated with the at least one server, at least a portion of the data among the geo-spatial data, the security data, and the additional data, prior to entry within the one or more data tables.
13. The method of claim 1, wherein the at least one structure of the one or more servers and the storage structure of the geo mapping server comprise one or more of at least one database and at least one in-memory cache.
14. The method of claim 1, wherein the identified at least one security comprises at least one municipal security.
15. The method of claim 1, the method further comprising:
receiving, try the at least one server, user input via the one or more user tools, the user input associated with at least one of querying the third data table and creating user-customized instrument-level data.
16. The method of claim 1, wherein the one or more links comprise a first link and a second link, the method further comprising:
creating the first link between the identified at least one security and at least one among the one or more geo-spatial areas based on the one or more cross-references in the first data table, and creating the second link between the at least one credit risk indicator among the credit risk indicator data in the second data table and the identified at least one security based on the first link, to form the instrument-level data for the identified at least one security.
17. The method of claim 1, further comprising: mapping the one or more location indicators to the one or more geo-spatial areas based on a maximum area of intersection between the one or more location indicators in accordance with the at least one predetermined criteria.
Current Application – 18/937,905
U.S. Patent No. – 11,961,139
Claim 1: A system for geographical mapping and linking of disparate data structures for interaction, the system comprising: at least one server in communication with one or more data source systems, the at least one server configured to: obtain data generated from among the one or more data source systems, the data comprising geo-spatial data comprising a plurality of geo-spatial areas having disparate formats, security data, and additional data comprising one or more of economic data and demographic data; create, in at least one storage structure, a set of data tables; identify a relationship between a location identifier and one or more geo-spatial areas of the plurality of geo-spatial areas outside of an area defined by the location identifier based on at least one statistical algorithm configured to determine a best fit; create, using a geo-spatial join process, a cross-reference between the location identifier and the one or more geo-spatial areas, the geo-spatial join process comprising: converting the geo-spatial data associated with the location identifier into first data having a tabular format, converting the geo-spatial data associated with the one or more geo-spatial areas into second data having the tabular format, and merging the first data and the second data via a tabular operation; store, in a first data table among the set of data tables, the cross-reference indexed by the location identifier create and store, in a second data table among the set of data tables, for each of the one or more geo-spatial areas, an indicator based on the additional data; identify a security within the security data, the security associated with the location identifier; query the first data table for the location identifier to identify the cross-reference; create one or more links between the security, the one or more geo-spatial areas, and the indicator, based on the cross-reference; form instrument-level data for the security including the indicator; store, in a third data table among the set of data tables, the instrument-level data for the security; update the set of data tables in response to any changes in the data obtained from the one or more data source systems, by at least one of: updating one or more existing data entries stored among the set of data tables and adding one or more new data entries among the set of data tables; and generate an interactive graphical user interface (GUI) configured for display on one or more of an interactive webpage and a mobile application, the interactive GUI comprising one or more user tools configured to query the set of data tables including any updated data entries and any added data entries, wherein the geo mapping server is configured to disseminate at least one of the instrument-level data and the indicator data to at least one dissemination entity.
2. (Previously Presented) The system of claim 1, wherein the geo mapping server is configured to disseminate at least one of the instrument-level data and the indicator to at least one dissemination entity.
3. (Original) The system of claim 2, wherein the at least one dissemination entity comprises at least one of a client device, an external distribution system, a delivery platform and an external database.
4. (Original) The system of claim 1, wherein the geo-spatial data comprises one or more of demographic data, economic data, social data and healthcare data.
5. (Original) The system of claim 1, wherein the additional data is associated with at least one of the one or more geo-spatial areas, the additional data comprising one or more of population data, income data, migration data, labor data, housing data, education data and healthcare data.
6. (Original) The system of claim 1, wherein the one or more geo-spatial areas comprise one or more of at least one city, at least one subdivision, at least one county, at least one state, a multi-state area, a metropolitan statistical area, a micropolitan statistical area and a core base statistical area.
7. (Currently Amended) The system of claim 1, wherein the location identifier comprises one or more zip codes.
8. (Original) The system of claim 1, wherein the at least one predetermined criteria includes one or more of a coverage area and a population density.
9. (Original) The system of claim 1, wherein the geo mapping server is configured to continually monitor the data among the one or more data source systems in at least one of real- time or near real-time and obtain the data responsive to the monitoring.
10. (Original) The system of claim 1, wherein the geo mapping server is configured to determine at least one of a score and a ranking of the indicator based on at least one predetermined attribute of the additional data.
11. (Original) The system of claim 1, wherein the geo mapping server is configured to store the geo-spatial data, the security data and the additional data in one or more data tables associated with the at least one storage structure.
12. (Original) The system of claim 11, wherein the geo mapping server is configured to one or more of filter, normalize and format, using a data integrator tool associated with the at least one server, at least a portion of the data among the geo-spatial data, the security data, and the additional data, prior to entry within the one or more data tables.
13. (Original) The system of claim 1, wherein the at least one structure of the one or more servers and the storage structure of the geo mapping server comprise one or more of at least one database and at least one in-memory cache.
14. (Original) The system of claim 1, wherein the identified at least one security comprises at least one municipal security.
15. (Original) The system of claim 1, wherein the geo mapping server is configured to receive user input via the one or more user tools, the user input associated with at least one of querying the third data table and creating user-customized instrument-level data.
16. (Original) The system of claim 1, wherein: the one or more links comprise a first link and a second link, the first link being created between the security and at least one among the one or more geo-spatial areas based on the one or more cross-references in the first data table, and the second link being created between the indicator in the second data table and the identified at least one security based on the first link, to form the instrument-level data for the identified at least one security.
17. (Currently Amended) The system of claim 1, wherein the geo mapping server is configured to map the location identifier to the one or more geo-spatial areas based on a maximum area of intersection between the
1. A method for geographical mapping and linking of disparate data structures for interaction, the method comprising: obtaining and storing, in at least one storage structure, via at least one server in communication with one or more data source systems, data generated from among the one or more data source systems, the data comprising geo-spatial data, security data, and additional data; creating, in the at least one storage structure, filtered data tables including at least one first data table, at least one second data table, and at least one third data table; creating, by the at least one server, one or more cross-references between one or more location indicators and one or more geo-spatial areas based on at least one statistical algorithm, in accordance with the geo-spatial data, wherein the at least one statistical algorithm is configured to query the geo-spatial data and map the one or more location indicators to the one or more geo-spatial areas based on a maximum area of intersection between the one or more location indicators in accordance with at least one predetermined criteria; storing the one or more cross-references in the at least one first data table; generating, by the at least one server, for each of the one or more geo-spatial areas, at least one credit risk indicator based on the additional data, to form credit risk indicator data; storing the credit risk indicator data in the at least one second data table; identifying, by the at least one server, at least one security of the security data, the identified at least one security associated with at least one among the one or more location indicators; creating, by the at least one server, one or more links among the identified at least one security, the one or more geo-spatial areas and the at least one credit risk indicator among the credit risk indicator data, based on the one or more cross-references in the at least one first data table, to form instrument-level data for the identified at least one security including the at least one credit risk indicator; storing the instrument-level data for the identified at least one security in the at least one third data table; at least one of: updating one or more existing data entries stored among the filtered data tables and adding one or more new data entries among the filtered data tables in response to any changes in the data obtained from the one or more data source systems; and generating an interactive graphical user interface (GUI) via at least one interactive webpage, the interactive GUI comprising one or more user tools, the one or more user tools configured to query the filtered data tables including any updated data entries and any added data entries.
2. The method of claim 1, the method further comprising: disseminating, by the at least one server, at least one of the instrument-level data and the credit risk indicator data to at least one dissemination entity.
3. The method of claim 2, wherein the at least one dissemination entity comprises at least one of a client device, an external distribution system, a delivery platform and an external database.
4. The method of claim 1, wherein the geo-spatial data comprises one or more of demographic data, economic data, social data and healthcare data.
5. The method of claim 1, wherein the additional data is associated with at least one of the one or more geo-spatial areas, the additional data comprising one or more of population data, income data, migration data, labor data, housing data, education data and healthcare data.
6. The method of claim 1, wherein the one or more geo-spatial areas comprise one or more of at least one city, at least one subdivision, at least one county, at least one state, a multi-state area, a metropolitan statistical area, a micropolitan statistical area and a core base statistical area.
7. The method of claim 1, wherein the one or more location indicators comprise one or more zip codes.
8. The method of claim 1, wherein the at least one predetermined criteria includes one or more of a coverage area and a population density.
9. The method of claim 1, the method further comprising: continually monitoring, via the at least one server, the data among the one or more data source systems in at least one of real-time or near real-time; and obtaining the data responsive to the monitoring.
10. The method of claim 1, the method further comprising: determining, by the at least one server, at least one of a score and a ranking of the at least one credit risk indicator based on at least one predetermined attribute of the additional data.
11. The method of claim 1, the method further comprising: storing the obtained geo-spatial data, the security data and the additional data in one or more data tables associated with the at least one storage structure.
12. The method of claim 1, the method further comprising: converting, using a data integrator tool associated with the at least one server, at least a portion of the data among the geo-spatial data, the security data, and the additional data from at least one non-standardized format into a common format, prior to entry and storage within the filtered data tables.
13. The method of claim 1, wherein the at least one structure of the one or more servers and the storage structure of the geo mapping server comprise one or more of at least one database and at least one in-memory cache.
14. The method of claim 1, wherein the identified at least one security comprises at least one municipal security.
15. The method of claim 1, the method further comprising: receiving, by the at least one server, user input via the one or more user tools, the user input associated with at least one of querying the at least one third data table and creating user-customized instrument-level data.
16. The method of claim 1, wherein the one or more links comprise a first link and a second link, the method further comprising: creating the first link between the identified at least one security and at least one among the one or more geo-spatial areas based on the one or more cross-references in the at least one first data table, and creating the second link between the at least one credit risk indicator among the credit risk indicator data in the at least one second data table and the identified at least one security based on the first link, to form the instrument-level data for the identified at least one security.
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 1-17 are directed to a system which is one of the statutory categories of invention. (Step 1: YES).
Claims 1-17 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. The claims do not include additional elements that are sufficient to amount to significantly more than the judicial exception because the additional computer elements, which are recited at a high level of generality, provide generic computer functions that do not add meaningful limits to practicing the abstract idea.
Claim 1, in part, recites A system for geographical mapping and linking of disparate data structures for interaction, the system comprising: a geo mapping server in communication with one or more data source systems and one or more servers, the geo mapping configured to: obtain data generated from among the one or more data source systems, the data comprising geo-spatial data comprising a plurality of geo-spatial areas having disparate formats, security data comprising a plurality of securities, and additional data comprising one or more of economic data and demographic data; create, in at least one storage structure one of the one or more servers, a plurality of data tables; identify a relationship between a location identifier and one or more geo-spatial areas of the plurality of geo-spatial areas outside of an area defined by the location identifier based on at least one statistical algorithm configured to determine a best fit; store, in a first data table of the plurality of data tables, the geo-spatial data and an indicator based on the additional data for each of the plurality of geo-spatial areas; store, in a second data table of the plurality of data tables, instrument-level data comprising the indicator for each security of the plurality of securities formed from the security data; identify a relationship between a location identifier and one or more geo-spatial areas of the plurality of geo-spatial areas outside of an area defined by the location identifier based on at least one statistical algorithm configured to determine a best fit based on at least one predetermined criteria including one or more of a coverage area and a population density; map the location identifier to the one or more geo-spatial areas based on a maximum area of intersection between the location identifier in accordance with the at least one predetermined criteria; create, using a geo-spatial join process, a cross-reference between the location identifier and the one or more geo-spatial areas, the geo-spatial join process comprising: converting the geo-spatial data associated with the location identifier into first data having a tabular format, converting the geo-spatial data associated with the one or more geo-spatial areas into second data having the tabular format, and merging the first data and the second data via a tabular operation; create, in a storage structure of the geo mapping server, a cross-reference data table; store, in the cross reference, the cross-reference indexed by the location identifier; create, one or more links between entries in the first data table, entries in the second data table, and entries in the cross-reference data table based on one or more of the cross-reference and the indicator; receive, via an interactive graphical user interface (GUI) configured for display on one or more of an interactive webpage and a mobile application, user input comprising a query about ta security of the plurality of securities, the security with the local identifier; query the cross-reference data table for the location identifier to identify the cross reference; retrieve, from the entries in the first data table and the entries the second data table, the geo-spatial data and the instrument-level data and associated with the security based on the one or more links; and; update one or more of the plurality of data tables and the one or more links in response to any changes in the data obtained from the one or more data source systems, by at least one of: updating one or more existing data entries stored among the plurality of data tables. The concept here is similar to the concept of geo-spatial mapping with credit risk indicators. Such concept is directed to business relations – commercial interactions. Hence, they fall within the “Certain Methods of Organizing Human Activity” grouping of abstract ideas.
This judicial exception is not integrated into a practical application. In particular, the claim only recites additional elements such as at least a system, data source systems, one server, one storage structure, an interactive graphical user interface (GUI), an interactive webpage, and other generic computer components to perform identifying, storing, displaying. The generic computer components are recited at a high-level of generality (identifying, storing, and displaying) such that it amounts no more than mere instructions to apply the exception using a generic computer component. Accordingly, these additional elements do not integrate the abstract idea into a practical application because they do not impose any meaningful limits on practicing the abstract idea. Hence, the claim is directed to an abstract idea
Next the claim as a whole is analyzed to determine whether any element, or combination of elements, is sufficient to ensure the claim amounts to significantly more than an abstract idea. Claim 1 does not include additional elements such as a system, data source systems, one storage structure, a location identifier, an interactive graphical user interface (GUI), that are sufficient to amount to significantly more than the judicial exception because the additional elements of at least a computing device to perform receiving and identifying data are merely additional elements performing the abstract idea on a generic device i.e., abstract idea and apply it. There is no improvement to computer technology or computer functionality MPEP 2106.05(a) nor a particular machine MPEP 2106.05(b) nor a particular transformation MPEP 2106.05(c). Additionally, the limitation of sending a request or message over network is recognized as well-understood, routine, conventional activity. 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) see MPEP 2106.05(d). Furthermore, the limitations are not indicative of integration into a practical application because they are merely adding the words “apply it” to a judicial exception on a generic computing device. See MPEP 2106.05(f). Given the above reasons, a generic processing device associating geospatial area with risk indicators is not an Inventive Concept. Thus, the claim is not patent eligible.
The dependent claims have been given the full two part analysis (Step 2A – 2-prong tests and step 2B) including analyzing the additional limitations both individually and in combination. The Dependent claim(s) when analyzed both individually and in combination are also held to be patent ineligible under 35 U.S.C. 101 because for the same reasoning as above and the additional recited limitation(s) fail(s) to establish that the claim(s) is/are not directed to an abstract idea. The additional limitations of the dependent claim(s) when considered individually and as ordered combination do not amount to significantly more than the abstract idea.
Claims 2, 3, 4, 5 are rejected under 35 U.S.C. 101 because the claimed invention is directed to judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. The claim(s) recite(s) a method of disseminating data. This judicial exception is not integrated into a practical application because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f). The claim(s) does/do not include additional elements (such as an entity, a client device, a system, an external distribution system, a delivery platform, an external database) that are sufficient to amount to significantly more than the judicial exception because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Claims 6, 7 are rejected under 35 U.S.C. 101 because the claimed invention is directed to judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. The claim(s) recite(s) area, population density and zip codes. This judicial exception is not integrated into a practical application because the limitations are Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f). The claim(s) does/do not include additional elements (such as a GUI) that are sufficient to amount to significantly more than the judicial exception because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Claims 9, 10, 11 are rejected under 35 U.S.C. 101 because the claimed invention is directed to judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. The claim(s) recite(s) a method of monitoring data, determining a ranking, storing security data. This judicial exception is not integrated into a practical application because the limitations are Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f). The claim(s) does/do not include additional elements (one server, data source systems, a ranking, one storage structure) that are sufficient to amount to significantly more than the judicial exception because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Claim 12 is rejected under 35 U.S.C. 101 because the claimed invention is directed to judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. The claim(s) recite(s) a method of filtering, normalizing and formatting data. This judicial exception is not integrated into a practical application because the limitations are Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f). The claim(s) does/do not include additional elements (such as a server) that are sufficient to amount to significantly more than the judicial exception because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Claim 13, 14, 15 are rejected under 35 U.S.C. 101 because the claimed invention is directed to judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. The claim(s) recite(s) database and memory catch, municipal security and creating customized instrument level data. This judicial exception is not integrated into a practical application because the limitations are Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f). The claim(s) does/do not include additional elements (such as one database, one in-memory cache) that are sufficient to amount to significantly more than the judicial exception because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Claims 16 is rejected under 35 U.S.C. 101 because the claimed invention is directed to judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more. The claim(s) recite(s) creating links between geo-spatial areas and data table and mapping credit risk indicators to intersection between location. This judicial exception is not integrated into a practical application because the limitations are Adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f). The claim(s) does/do not include additional elements (such as geo-spatial areas, one security, one server) that are sufficient to amount to significantly more than the judicial exception because the limitations are adding the words “apply it” (or an equivalent) with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f).
Therefore, Claims 1-7, 9-16 are not drawn to eligible subject matter as they are directed to an abstract idea without significantly more.
Conclusion
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/TOAN DUC BUI/ Examiner, Art Unit 3693
/Mike Anderson/ Supervisory Patent Examiner, Art Unit 3693
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