Ex Parte Schwarz et al

Patent Trial and Appeal Board

Jan 10, 2017

13291723 (P.T.A.B. Jan. 10, 2017)

United States Patent and Trademark Office
UNITED STATES DEPARTMENT OF COMMERCE
United States Patent and Trademark Office
Address: COMMISSIONER FOR PATENTS
P.O.Box 1450
Alexandria, Virginia 22313-1450
www.uspto.gov
APPLICATION NO. FILING DATE FIRST NAMED INVENTOR ATTORNEY DOCKET NO. CONFIRMATION NO.
13/291,723 11/08/2011 Stanley G. SCHWARZ 7065-01400 9552
23505 7590
CONLEY ROSE, P.C.
Jonathan M. Harris
1001 Mckinney
Suite 1800
HOUSTON, TX 77002-6417
EXAMINER
TROTTER, SCOTT S
ART UNIT PAPER NUMBER
3696
NOTIFICATION DATE DELIVERY MODE
01/12/2017 ELECTRONIC
Please find below and/or attached an Office communication concerning this application or proceeding.
The time period for reply, if any, is set in the attached communication.
Notice of the Office communication was sent electronically on above-indicated "Notification Date" to the
following e-mail address(es):
pathou @conleyrose.com
PTOL-90A (Rev. 04/07)
UNITED STATES PATENT AND TRADEMARK OFFICE
BEFORE THE PATENT TRIAL AND APPEAL BOARD
Ex parte STANLEY G. SCHWARZ, GERALD A. MORGAN,
JEFFREY H. FRANK, CHRISTOPHER M. MACHECA, and
ALAN E. VORDERMEIER, JR.
Appeal 2014-007860
Application 13/291,723
Technology Center 3600
Before BIBHU R. MOHANTY, NINA L. MEDLOCK, and
CYNTHIA L. MURPHY, Administrative Patent Judges.
MOHANTY, Administrative Patent Judge.
DECISION ON APPEAL
STATEMENT OF THE CASE
The Appellants seek our review under 35 U.S.C. § 134 of the final
rejection of claims 1—36, 39, and 40, which are all the claims pending in the
application. We have jurisdiction under 35 U.S.C. § 6(b).
SUMMARY OF THE DECISION
We AFFIRM.
THE INVENTION
Appeal 2014-007860
Application 13/291,723
The Appellants’ claimed invention is directed to systems and methods
of accepting applications for purchases to be financed and tracking assets
(Spec., para. 12). Claim 1, reproduced below, is representative of the
subject matter on appeal.
1. A method comprising:
accepting an application from a borrower, the application for a
motor vehicle loan, and the application accepted by way of an
electronic submission to a data center;
determining that the borrower has an indicia of credit
worthiness below a predetermined threshold, the determining by way
of a processor of a computer system of the data center;
offering the borrower a first loan with a requirement that a first
motor vehicle purchased with the first loan comprise a first on-board
device configured to provide location of the first motor vehicle; and
if the borrower accepts tracking the loan payments made by the
borrower, the tracking by way of a processor of a computer system;
and
reporting loan payments to a credit reporting agency, the
reporting by way of a processor of a computer system.
THE REJECTIONS
The Examiner relies upon the following as evidence in support of the
rejections:
Gill US 4,736,294 Apr. 5, 1988
Levine US 6,233,566 B1 May 15,2001
Klinkhammer US 2007/0288271 Dec. 13, 2007
Libman US 7,310,618 B2 Dec. 18,2007
Papadimitriou US 2008/0109378 A1 May 8, 2008
“Bait car”. Wikipedia, the free encyclopedia. Web. 11 May 2010.