Appeal 2007-0772
Application 09/788,132
the central server computer transmitting to the
financially troubled borrower, automatically over the
network, automatic approval of the proposed loss
mitigation loan workout if certain predefined parameters
are met and, if the predefined parameters are not met,
providing further instructions to the financially troubled
borrower.
4. The system of claim 1, wherein a user selects a loss
mitigation loan workout type among a menu of
predefined loss mitigation loan workout types.
THE REJECTIONS
The Examiner relies upon the following as evidence in support of the
rejections:
Dhar US 2002/0040339 A1 Apr. 4, 2002
Fletcher US 6,112,190 Aug. 29, 2000
T.A. Myers & Co., Real Estate Problem Loans: Workout Strategies and
Procedures, 5-30 (Dow Jones-Irwin, 1990).
Larry B. Litton, The Return of Loss Mitigation, Mortgage Banking, vol. 57, iss. 8,
60-65 (Washington, DC, May 1997).
The following rejections are before us for review.
1. Claims 1-3, 5-8, 10, and 11 stand rejected under 35 U.S.C. § 103(a) as
unpatentable over Dhar in view of Myers and further in view of Litton.
2. Claims 4, 9, 12, and 13 stand rejected under 35 U.S.C. § 103(a) as
unpatentable over Dhar in view of Myers, Litton, and Fletcher.
3
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