Appeal 2007-0772
Application 09/788,132
STATEMENT OF THE CASE
Appellants seek our review under 35 U.S.C. § 134 of the Examiner’s final
rejection of claims 1-13. We have jurisdiction under 35 U.S.C. § 6(b) (2002). We
affirm.
THE INVENTION
Appellants claim systems and methods for automatically obtaining loss
mitigation loan workout decisions (Specification 1:7-9). Claims 1 and 4,
reproduced below, are representative of the subject matter on appeal.
1. A system for automatically obtaining loss mitigation
loan workout decisions, comprising:
a network of personal computers connected into a
network administered by a central server computer,
each personal computer in the network including a
network interface for transmitting borrower inputs to, and
receiving outputs from, the server computer,
each personal computer in the network further
including display screens for receiving inputs from, and
providing outputs to, a financially troubled borrower,
including inputs and outputs relating to a proposed loss
mitigation loan workout,
the central server computer having a central
processing unit that runs automatic workout decision
analysis software, wherein the analysis software analyzes
information relating to a preexisting loan whose terms
are not being met by the financially troubled borrower
and other information relating to why the troubled
borrower is financially troubled to determine whether to
automatically approve the proposed loss mitigation loan
workout,
2
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