Appeal 2006-2429
Application 09/999,580
1 FINDINGS OF FACT
2 We find that the following enumerated findings are supported
3 by at least a preponderance of the evidence. Ethicon, Inc. v. Quigg, 849
4 F.2d 1422, 1427, 7 USPQ2d 1152, 1156 (Fed. Cir. 1988) (explaining the
5 general evidentiary standard for proceedings before the Office).
6 1. Appellant invented a method of dynamic credit
7 management, and in particular, a method of financial
8 evaluation of at least one financial instrument or entity.
9 (Specification 1). Credit cost C is the credit cost of the
10 party. (Specification 15). Credit cost C may be based on
11 market data, counterparty credit quality data, or both.
12 (Specification 16). Maximum exposure risk M may be
13 defined in terms of potential financial loss (e.g., a default on
14 one or more debt instruments) of the counterparty that the
15 party is willing to bear. (Specification 16).
16 2. “[T]he present invention relates to improved methods and
17 apparatus for a transaction-based risk prediction system that
18 advantageously assess the financial risk level associated
19 with an account and/or an account holder based on the
20 account holder's transaction pattern and/or transactions
21 pertaining to that account holder across multiple accounts
22 and/or account issuers.” (Basch, col. 1, ll. 14-21).
23 3. “To facilitate the management of accounts, account issuers
24 may employ scores developed by credit bureaus. These
25 scores may, for example, be utilized to assist in some
26 aspects of account management, e.g., in the account issuer's
27 decision to increase or decrease the current limit.” (Basch,
28 col. 1, ll. 63-66).
29 4. “The invention relates, in one embodiment, to a computer-
30 implemented method for predicting financial risk, which
31 includes receiving transaction data pertaining to a plurality
32 of transactions for a financial account, the transaction data
33 including one of a transaction type and a transaction amount
34 for each of the plurality of transactions. The method further
35 includes scoring the transaction data, including a transaction
5
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Last modified: September 9, 2013