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
Specification
The specification has been preliminarily amended.
Status of Claims
Claims 1, 3-6, 9, 11, and 12 are preliminarily amended. Claims 13-20 are new by preliminary amendment. Claims 1-20 are pending.
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.
Claim(s) 1-20 are rejected under 35 U.S.C. 101 because the claimed invention is directed to an abstract idea without significantly more. The claim(s) recite(s):
1. A non-transitory computer readable medium containing instructions that when executed by at least one processor, cause the at least one processor to perform operations for verifying entities and provide an electronic transfer between entities, the operations comprising:
retrieving a first reference number and a first transmit number associated with a first entity repository, wherein the first entity repository is owned by a first entity;
generating a first internal profile associated with the first entity, wherein the first internal profile includes the first reference number and the first transmit number associated with the first entity repository;
generating a first access token, wherein the first access token includes a first identification;
generating a first external profile associated with the first entity, wherein the first external profile for the first entity includes the first access token;
storing the first internal profile and the first external profile in a first directory of profiles, wherein the first directory of profiles includes a plurality of internal profiles and a plurality of external profiles both associated with a plurality of entities;
retrieving a second identification of a second access token, wherein the second access token is associated with a second external profile from the plurality of external profiles;
identifying a second entity associated with the second external profile using the second identification;
identifying a second internal profile from the plurality of internal profiles associated with the second entity;
using a second reference number and a second transmit number associated with the second internal profile, identifying a current status and a history of a second entity repository associated with the second internal profile,
distributing the current status and the history associated with the second entity repository to the first entity; and
upon receiving a positive status indication and a positive history indication, generating data associated with an electronic transfer from the first entity repository to the second entity repository and providing the data associated with the electronic transfer to the second entity to initiate the electronic transfer from the first entity repository to the second entity repository.
The underlined elements of the claim represent certain methods of organizing human activity, fundamental economic practices of mitigating risk because the claims are directed to verifying entities before initiating funds transfers between the entities.
This judicial exception is not integrated into a practical application because the claims are appended by the words "apply it", or the like. The additional elements being a non-transitory computer readable medium containing instructions executed by a processor and the term electronic which are generically recited. The claim(s) does/do not include additional elements that are sufficient to amount to significantly more than the judicial exception because for the reasons stated above.
The dependent claims merely narrow the abstract idea and as a whole and in combination, the claims represent the abstract idea with the words “apply it”, or the like.
For example, claim 2 recites creating a second directory that includes external profiles which is merely using a computer in its ordinary capacity for economic or other tasks. Claim 10 is similar. Claim 3 recites determining a frequency of electronic transfers…which is insignificant extrasolution activity similar to data gathering in OIP Technologies. Claims 4-6 further narrows the abstract idea by reciting how the positive history indication is calculated. Claims 7-9 are merely further descriptive of the abstract idea.
Claims 11-20 are similarly rejected.
Conclusion
Any inquiry concerning this communication or earlier communications from the examiner should be directed to WILLIAM E RANKINS whose telephone number is (571)270-3465. The examiner can normally be reached on 9-530 M-F.
If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Bennett Sigmond can be reached on 303-297-4411. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300.
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/WILLIAM E RANKINS/Primary Examiner, Art Unit 3694