ONLINE QUICK KEY PAY
A quick pay option is provided so that a user can make a payment from a merchant site by simply entering in a user identifier in a pop-up window. Limits are set for the quick pay option and may vary between different merchants. The payment provider is able to determine the merchant, user, and transaction information automatically, such that the user may only be required to enter the identifier to process and complete the payment.
The claims are directed towards a fundamental economic principle corresponding to “Certain Methods of Organizing Human Activity”. The claims do not integrate the judicial exception into a practical application beyond the use of generic computer elements.
When viewed as a whole the amended claims integrate the abstract idea into practical application. The highlighted sections of the specification integrate the abstract idea into a practical application of providing an enhanced online payment processing flow. The claimed solution is directed toward a quick pay option enabling the user to simply enter a user-known identifier to be confirmed with the payment provider to process the payment. This method of payment can be done without having to redirect the user to submit additional information, and imposes a meaningful limit on any alleged judicial exceptions. Specifically, when viewed as a whole, the claims recite a specific and ordered combination of steps directed to providing an enhanced online payment processing flow.
METHODS OF PROVIDING INSURANCE SAVINGS BASED UPON TELEMATICS AND DRIVING BEHAVIOR IDENTIFICATION
STATE FARM MUTUAL AUTOMOBILE INSURANCE
A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
The claims are directed to an abstract idea of adjustment to an insurance policy without significantly more. The determination of a driving risk score based on the collected data described under their broadest reasonable interpretation corresponds to “Certain Methods of Organizing Human Activity” as the claim limitations relate to a fundamental economic principle. All additional elements of the method do not necessarily restrict the claim from reciting an abstract idea and as such amount to no more than insignificant extra-solution activity.
The claims are not directed to an abstract idea, instead they are directed to a technological solution to a technical problem. The claims recites a process of transmitting a warning notification to limit the functionality of at least one component of the vehicle for the driver when the collected telematics indicate that the driver is at a high risk for accident. Since this process is neither achievable by human intervention nor pertaining to economic practices the applicant submits that the elimination of driver distractions is not an abstract idea. The claims are further incorporated into a practical application by including limitations that reflect an improvement in the functioning of a vehicle system to reduce a driver’s risk of accident. Through the analysis of biometric data and a risk aversion score the claimed invention limits the functionalities of a mobile device or onboard computer, something not well understood or routine in the field of fundamental economic principles. The claimed subject matter therefore incorporates the abstract idea into a practical application through the demonstration of an improvement of a vehicle system’s functionality to reduce a user’s risk of accident.
Technologies are described herein for a payments portal. A payments portal can be configured to support payments by generating and embedding widgets in webpages hosted by merchant sites associated with a marketplace. The widgets can provide specific payment functionality for users, thereby providing consistent payment experiences across merchant sites without updating the merchant sites. The widgets can be dynamic or static. Interactions with the widgets can cause a browser displaying the widgets to access data hosted by the payments portal and/or other systems, devices or services in communication with the payments portal.
The claims are rejected for being directed to an abstract idea regarding transactions without significantly more. The limitations of a webpage, user interface widget, a computer system, and a portal service do not necessarily restrict the claim from reciting the abstract idea of Certain Methods of Organizing Human Activity. The use of generic computing components do not meaningfully apply the abstract idea into practical application.
The claims have been amended to recite receiving information from a web server via a network the first interaction of a user interface widget. The system requires interaction with a network, which cannot be performed by a human without the use of a computing device, as such the applicant submits that the amended claims are not directed to an abstract idea. Arguendo Step 2 analysis will be performed. The method is directed toward the performance of a particular iteration process to update widgets on a webpage. The claimed invention integrates this process into practical application by effecting an improvement to e-commerce payment transaction systems Thus, the amended claims improve upon the shortcomings of prior art solutions, thereby providing significantly more than the alleged abstract idea.
A system and method for transaction bitcoin is described. Bitcoin can be sent to an email address. No miner’s fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A bitcoin exchange allows for users to set prices that they are willing to sell or buy bitcoin and execute such trades.
The claims are directed to an abstract idea of effecting payment. The additional limitations of a host computer system, a customer computer system, a host wallet, and a bank transfer module do not necessarily restrict the claim from reciting an abstract idea. The judicial exception is not integrated into a practical application as all additional claim elements under their broadest reasonable interpretation can be composed of a generic computing arrangement. Therefore the additional elements do not meaningfully apply the abstract idea and hence do not integrate the abstract idea into practical application.
The claims are directed to a method of communicating between merchant and customer computer systems to effect payment using a cryptographic key based currency. By providing a technical solution to a technical problem the method enables the customer to pay the merchant using cryptographic key based currency functionality of a host computer. The specific interaction of a host computer with a merchant computer system and a customer computer system to perform a cryptographic key based currency demonstrates specific limitations to the practical idea.
METHOD FOR CONDUCTING A TRANSACTION
This patent discloses a method of performing a transaction between a merchant and a consumer using a secure connection through the exchange of encryption keys. Once the merchant accepts the transaction the customer’s cart and information is transferred to the merchant device where the secure wireless channel determines at least one payment option for checking out the items.
The claims recites an abstract idea of conducting a transaction and is illustrated by a series of steps. Current device limitations do not necessarily restrict the claim from reciting an abstract idea. This judicial exception is not integrated into a practical application due to the additional elements of the device under their broadest reasonable interpretation amounting to no more than generic computing parts.
The claims do not recite an abstract idea. The claims recite specific functions that cannot be performed mentally. The present claims do not recite a mathematical relationship or formula, and thus does not recite a mathematical concept. While the claims generally relate to payment transactions, the claim limitations themselves are narrowly focused on a sequence of actions performed by the merchant and the customer. The detailed limitation recites a specific manner of establishing a secure connection between the devices and synchronizing cart information between the devices to process payment over the secure wireless channel. Here the claims recite a specific improvement in the field of conducting electronic payment transactions between a cardholder device and a merchant point-of-service device. As the present independent claims provide specific improvements over prior systems they demonstrate a practical application, such that the present claims are not directed to an abstract idea under the Second Prong of Step 2A
SYSTEM, METHOD, AND FPGA CIRCUIT FOR PROCESSING ELECTRONIC MESSAGES IN A DISTRIBUTED COMPUTER SYSTEM
A system that uses a distributed matcher server and order book server to receive and process electronic trading orders for a market. The system is capable of routing order messages to an FPGA that parses and stores data for each individual quote message. This system does not require the FPGA to directly involve the matching server.
The claims are directed to an abstract idea without significantly more. Steps were recited using a distributed computing system to process user orders which is a fundamental economic principle and method of organizing human activity. Additional elements of this invention, when viewed individually or as a whole, do not contribute significantly more than instructions to apply the exception using a generic computing component that does impose meaningful limits on practicing the idea.
The rejection states that the invention is directed to a fundamental economic principle and a certain method of organizing human activity. The claims are directed to computer technology and a method for handling electronic data messages in a distributed computer system, which does not match a fundamental economic practice or a method of organizing human activity. This patent application is directed to solving data processing latency/delay problems when handling electronic messages and improving the speed at which those electronic messages are processed. By solving these technical problems as a result of the specific way the distributed network components are organized. Because these claims provide a technical solution to a technical problem of complex computerized trading exchanges the claims are not directed to an abstract idea.
SYSTEMS AND METHODS FOR TRACKING-BASED TRANSACTIONS
The patent discloses a computing system for a financial institution configured to access customer account information relating to a plurality of GPS tags coupled to an order of goods using a transaction circuit. Lines of credit are then administered to the seller once the good of order has moved a predefined distance.
The claims recite defining terms and performance of transactions for orders of good traced by their physical movement, which are commercial interactions between people and are therefore certain methods of organizing human activity. The independent claims recite an application of generic computer components that amount to no more than mere instructions to apply the judicial exception without a meaningful limitation on practicing the idea.
During examination it is not properly considered whether the alleged abstract idea is integrated into a practical application. The manipulation of the tag coupled to the good in combination with the specific means of executing the transaction when certain location parameters are met provides a particular way of tracking goods and performing transactions based on the traced goods. This demonstrates an integration of the judicial exception into a practical application.
SYSTEM AND METHOD FOR AUTOMATICALLY CREATING INSURANCE POLICY QUOTES BASED ON RECEIVED IMAGES OF VEHICLE INFORMATION STICKERS
STATE FARM MUTUAL AUTOMOBILE INSURANCE
This patent enables a method for real-time generation and editing of an insurance policy quote based on image data and user-specific data. Though the entered user information and the image data comprising a vehicle information sticker a backend server then creates an insurance policy based on these inputs.
The claimed idea is directed to an abstract idea of a fundamental economic principle without significantly more. To gather information for the preparation of an insurance policy based on customer data does not amount to significantly more than the judicial exception.
The claims improve on the functioning of a smartphone where the dynamic policy module is implemented as a software as a service model, thereby reducing the processing and memory loads required by the smartphone. When claim elements are considered as a whole such element impose a meaningful lilit on the judicial exception because there is no evidence that the claim elements comprise a fundamental economic principle or a commercial or legal interaction.