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`UNITED STATES PATENT AND TRADEMARK OFFICE
`_______________
`
`BEFORE THE PATENT TRIAL AND APPEAL BOARD
`_______________
`
`FEDERAL RESERVE BANK OF ATLANTA, FEDERAL RESERVE
`BANK OF BOSTON, FEDERAL RESERVE BANK OF CHICAGO,
`FEDERAL RESERVE BANK OF CLEVELAND, FEDERAL RESERVE
`BANK OF DALLAS, FEDERAL RESERVE BANK OF KANSAS CITY,
`FEDERAL RESERVE BANK OF MINNEAPOLIS, FEDERAL RESERVE
`BANK OF NEW YORK, FEDERAL RESERVE BANK OF
`PHILADELPHIA, FEDERAL RESERVE BANK OF RICHMOND,
`FEDERAL RESERVE BANK OF SAN FRANCISCO, and
`FEDERAL RESERVE BANK OF ST. LOUIS,
`Petitioners,
`
`v.
`
`BOZEMAN FINANCIAL LLC,
`Patent Owner.
`_______________
`
`Case CBM2017-00035 (Patent 6,754,640 B2)
`Case CBM2017-00036 (Patent 8,768,840 B2)1
`_______________
`
`Record of Oral Hearing
`Held: April 5, 2018,
`________________
`
`
`
`
`Before MICHAEL W. KIM, WILLIAM V. SAINDON, and KEVIN W.
`CHERRY, Administrative Patent Judges.
`
`
`
`
`
`1 The Board is entering this Hearing Transcript in each proceeding. The parties
`are not authorized to use a caption identifying multiple proceedings.
`
`
`
`Case CBM2017-00035 (Patent 6,754,640 B2)
`Case CBM2017-00036 (Patent 8,768,840 B2)
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`APPEARANCES:
`
`ON BEHALF OF THE PETITIONER:
`
`
`NATASHA H. MOFFITT, ESQUIRE
`LORI GORDON, ESQUIRE
`King & Spalding LLP
`1180 Peachtree Street, NE
`Atlanta, Georgia 30309
`
`
`
`ON BEHALF OF THE PATENT OWNER:
`
`
`JOHN W. GOLDSCHMIDT, JR., ESQUIRE
`Ference & Associates LLC
`409 Broad Street
`Pittsburgh, Pennsylvania 15143
`
`and
`
`THOMAS J. MAIORINO, ESQUIRE
`Maiorino Law Group LLC
`224 Amberfield Drive
`Mount Laurel, New Jersey 08054
`
`
`
`
`The above-entitled matter came on for hearing on Thursday, April 5,
`
`2018, commencing at 1:30 p.m., at the U.S. Patent and Trademark Office,
`600 Dulany Street, Alexandria, Virginia.
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`Case CBM2017-00035 (Patent 6,754,640 B2)
`Case CBM2017-00036 (Patent 8,768,840 B2)
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`P R O C E E D I N G S
`- - - - -
`JUDGE CHERRY: Good afternoon. This is the hearing in
`CBM2017-00035 and 36. Will the parties -- I'm Judge Cherry. This is
`Judge Kim and Judge Saindon.
`Will the parties please identify themselves?
`MS. MOFFITT: Good afternoon, Your Honor. This is Natasha Moffitt.
`I'm with King & Spalding. I'm counsel for the 12 Petitioners and I have with
`me today Lori Gordon, also from King & Spalding.
`MR. GOLDSCHMIDT: Yes, Your Honor. It's John Goldschmidt. I'm
`from Ference & Associates and representing the Patent Owner and today --
`MR. MAIORINO: Good afternoon. Thomas Maiorino, also for the
`Patent Owner.
`JUDGE CHERRY: Great.
`As an initial matter, we were reviewing the docket and, Mr. Maiorino, it
`appears you're appearing pro hac vice; is that correct?
`MR. MAIORINO: I believe so.
`JUDGE CHERRY: Did you file a motion for pro hac vice?
`MR. MAIORINO: I mean, I believe we did. We dealt with that a long
`time ago.
`JUDGE CHERRY: Because it doesn't appear to be in the file.
`MR. MAIORINO: Yeah, again, I think we had some issues with the
`filing system. John?
`JUDGE CHERRY: So I guess to the extent you're -- are you planning on
`talking today?
`MR. MAIORINO: We were, yes.
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`JUDGE CHERRY: Well, I don't know how we can have you talk if you
`haven't been properly admitted.
`MR. MAIORINO: Yeah, I mean, it's hard to believe that this is just
`coming up on hearing date, but, you know, I guess we -- you know, it was
`our burden.
`JUDGE CHERRY: Yeah. I mean, it's your obligation to keep abreast of
`the docket.
`MR. MAIORINO: Yeah, I know there's a motion. Like we had a motion
`to seal, that didn't show up. We had a motion and that didn't show up. Now
`I'm hearing it didn't show up. I don't have access to the docket right now.
`JUDGE CHERRY: Okay. Let me -- all right. We can go through -- we
`can try to -- we can admit you here on the record, but we have to go through
`the requirements.
`Does the Petitioner object to this?
`MS. MOFFITT: Your Honor, if they want to make an oral motion to
`have Mr. Maiorino admitted pro hac, we don't have any objection.
`JUDGE CHERRY: Thank you. All right. So we'll -- are you willing to
`do that, Mr. Maiorino?
`MR. MAIORINO: Yes, Your Honor.
`JUDGE CHERRY: All right. So Mr. Goldschmidt will be the lead
`counsel?
`MR. GOLDSCHMIDT: Yes, Your Honor.
`JUDGE CHERRY: Okay. And you're a registered practitioner?
`MR. GOLDSCHMIDT: I am.
`JUDGE CHERRY: And I guess what is your familiarity, Mr. Maiorino,
`with this matter that would warrant and make you pro hac vice?
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`MR. MAIORINO: I've been representing the Patent Owner on this
`matter as co-counsel since approximately 2007 or that time frame. So I've
`been intimately involved with it since that time frame through today.
`JUDGE CHERRY: And what bars do you belong to?
`MR. MAIORINO: I'm admitted to Pennsylvania, New Jersey. I'm active
`in the State of New Jersey in good standing.
`JUDGE CHERRY: And are you in good standing in Pennsylvania, too?
`MR. MAIORINO: No. I'm inactive in Pennsylvania.
`JUDGE CHERRY: Oh, inactive in Pennsylvania, but you're active and
`in good standing in New Jersey.
`MR. MAIORINO: Yes.
`JUDGE CHERRY: And are you -- have you ever been suspended or
`disbarred from practice before any court or administrative body?
`MR. MAIORINO: No, sir.
`JUDGE CHERRY: Have you ever been -- have you ever had a court or
`administrative body deny your application for admission to practice?
`MR. MAIORINO: No, sir.
`JUDGE CHERRY: And have you ever had a court or administrative
`body impose sanctions or contempt citations against you?
`MR. MAIORINO: No, sir.
`JUDGE CHERRY: And have you read and agreed to comply to
`the -- with the Office of Patent Trial -- excuse me, have you read and
`agreed to comply with the Office Patent Trial Guide and the Board's Rules
`for Practice for Trials as set forth in 37 CFR Part 42?
`MR. MAIORINO: Yes, I have.
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`JUDGE CHERRY: And have you -- and do you agree to be subject to
`the USPTO Rules of Professional Conduct set forth in 37 CFR Sections
`11.01, et sequence?
`MR. MAIORINO: I do.
`JUDGE CHERRY: And do you agree to the disciplinary jurisdiction of
`the Office under 37 CFR Section 11.19?
`MR. MAIORINO: I do.
`JUDGE CHERRY: That's good. Great. All right. With the agreement
`of the panel, we grant your request for pro hac vice and you can appear in
`these cases.
`MR. MAIORINO: Thank you, Judge.
`JUDGE CHERRY: And the second thing we wanted to bring to the
`Patent Owner's attention is you have filed a power of attorney in the 35 case
`and I think we brought this to your attention earlier, but there's still no power
`of attorney in the 36 case on the record and so if -- when you get back to
`your office, sometime this week if you can file the power of attorney for the
`36 case as well. Does Patent Owner understand that?
`MR. GOLDSCHMIDT: Yes, Your Honor.
`JUDGE CHERRY: Thank you. And make sure that there's -- and just to
`make sure, make sure that the power of attorney is up to date in the 35 case,
`too.
`MR. MAIORINO: Okay.
`JUDGE CHERRY: Great. All right. So we have given each side 90
`minutes. Petitioner, would you like to reserve any time?
`MS. MOFFITT: Yes, Your Honor, 30 minutes if I may.
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`JUDGE CHERRY: And, Petitioner, since you have the burden of proof
`in the cases, you go first, and whenever you're ready.
`MS. MOFFITT: Thank you, Your Honor.
`Your Honors, may it please the Board. Again, my name is Natasha
`Moffitt. I'm lead counsel for the 12 Federal Reserve Bank Petitioners in
`these two related CBM proceedings. I have with me today, again, sitting at
`counsel's table Lori Gordon with King & Spalding.
`On August 29, 2017, the Board instituted CBM review of two related
`Bozeman Financial patents, the '640 patent and the '840 patent. In instituting
`trial, the Board correctly found that it is more likely than not that Claims 1
`through 26 of the '640 patent and Claims 1 through 20 of the '840 patent are
`unpatentable under Section 101.
`The Board also correctly found in the 0035 proceeding that it is more
`likely than not that Claims 1 through 20, 25 and 26 of the '640 patent are
`invalid under Section 112, paragraph 2. There is nothing in the record that
`would compel or that should compel the Board to reach a different
`conclusion at this final stage of the proceeding.
`In essence, these proceedings really boil down to two primary areas of
`dispute. First, whether the patents are unpatentable under Section 101 and,
`second, whether the Patent Owner should be permitted to amend the '840
`patent claims in this case.
`We intend to focus our time on these two primary issues, but we are
`prepared to address the other issues in the parties' papers if the Board has
`questions as to those issues and, in particular, the 112, paragraph 6 issues
`and the standing issues. Otherwise, we will likely rest on our briefs.
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`I'd like to turn now to provide a brief overview of the patents and then I
`will address why the original claims of the patents are unpatentable under
`Section 101 and then I will turn to why the Patent Owner should not be
`permitted to amend the claims in the '840 patent in these proceedings.
`The Bozeman patents are expressly directed to reducing financial
`transaction fraud in the financial services industry by verifying checks and
`other financial instruments against information stored in a database. The
`focus of the patents is evident from the field of invention sections, from the
`abstract and elsewhere throughout the patents.
`The patents acknowledge that there were several prior art systems that
`were similarly aimed at verifying transactions to combat check fraud or
`transaction fraud. One such prior art system that's discussed in the patents is
`a prior art Positive Pay system that banks offered prior to the filing of these
`patents.
`Using Positive Pay, a customer would upload a file to the bank
`containing information associated with the checks that the customer had
`written. When checks were drawn on the customer's account or presented to
`the banks, the database would be queried. And if the query revealed that an
`unauthorized check number or that the transaction record somehow had been
`tampered with, the transaction could be rejected or the customer could be
`asked how to handle that check.
`The Bozeman patents criticize this prior art Positive Pay system because
`they were allegedly bank specific, meaning that only the bank's customers
`could access the system. So the Bozeman patents suggest that they
`overcome this perceived problem in the prior art by offering a universal
`system that could be used by members and nonmembers of the banks, but
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`could also be accessed by every participant in the transaction clearing
`process at every point along the check-clearing process.
`JUDGE CHERRY: Ms. Moffitt, I have one question.
`MS. MOFFITT: Yes.
`JUDGE CHERRY: Is Positive Pay a trademarked system or is that just
`how the bank industry refers to this kind of category generally?
`MS. MOFFITT: Your Honor, I'm not aware of whether or not it's a
`trademark. The patents refer to it generally as Positive Pay services as if
`that's an accepted term.
`JUDGE CHERRY: Yeah, I just wasn't sure because it was capitalized,
`but I wasn't sure if that was some other thing that -- but I just -- but thank
`you. That's fine. That's a good enough answer.
`MS. MOFFITT: So the patents distinguish themselves from these
`Positive Pay services basically on the grounds that -- of the patents' ability to
`provide access to every participant at every step along the transaction
`clearing process.
`Turning to slide 6. This concept is clearly illustrated in Figure 5A which
`shows every participant in the check-clearing process, the payer, the payee,
`the payee bank, the regional Fed or the clearing bank or the payer bank
`having access to this "universal" database. So the claims of the '640 patent
`and the '840 patent are similar. Indeed, the patents are related patents.
`Turning to slide 9. The '640 patent has two independent claims, Claim 1
`and Claim 21. Slide 9 is Claim 21 and it's representative of what I’ve just
`been briefly talking about these claims. So Claim 21 is generally directed to
`a computerized method for allowing check-clearing process participants to
`access stored check register information at every point along the
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`check-clearing process in order to determine whether or not a check has
`been tampered with or altered.
`And so I'm looking at these limitations. Claim 1 talks about providing a
`database, storing check register information in the database, providing a
`website that the participants can access and then enabling the participants to
`access the database at every point along the check-clearing process in order
`to determine correspondence between the stored check register information
`and an executed check that has been presented for payment, and then in the
`final step enabling the participants to determine whether tampering or
`altering has occurred.
`Turning to slide 8. The only real distinction between Claim 21 of the
`'640 patent and Claim 1 is that Claim 1 recites some additional computer
`hardware and software and, in particular, a server computer having various
`components, but also a data communications device and then web-based
`computer program code stored in the storage device which sits on the server,
`which comprises several instruction means that are claimed in
`means-plus-function format.
`With respect to the '840 patent, turning to slide 11, there are three
`independent claims, Claims 1, 8 and 15, where Claim 1 is a representative
`claim. And Claim 1 of the '840 patent is similarly directed to a
`computer-implemented method that allows participants to the payment
`clearing process to have access to stored transaction information at every
`step, but the claim also includes steps directed to receiving that information
`and also sending a notification when there is a match or a mismatch between
`the received information and the stored information.
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`And I'm turning to slide 12. Claims 8 and 15 are similar to Claim 1.
`Claims 8 and 15 add this step of providing a computer having a database and
`it also includes a step of providing a network interface to the database.
`In the interest of time and for the sake of efficiency, we're going to focus
`our argument today on the '840 patent, but this is obviously without waiver
`of any of the arguments we've presented in our briefing. We think this is
`particularly appropriate here given that the Patent Owner did not present in
`the 0035 proceeding any Section 101 arguments that were specifically
`tailored to the '640 patent and, instead, improperly incorporated by reference
`the arguments it presented in the 0036 proceeding on the '840 patent. As
`we've pointed out in our papers, this incorporation violates the Board's rules
`on incorporation by reference and we would urge the Board not to consider
`those arguments on the '640 patent.
`So turning now to Section 101. At their most basic level, the claims are
`directed to reconciling financial information against a ledger to detect fraud
`or errors in a financial transaction. This is a fundamental economic practice
`that is well-known in the art prior to the time the provisional applications
`were filed, and this fact is evidenced by the patent itself. Throughout the
`description of the prior art section, it articulates or describes prior art
`systems that were capable of performing this abstract idea.
`In turning to the Alice two-part test that we all have to look at in
`determining whether or not claims are patentable under Section 101, as I
`know the Board is very aware, step 1 we must first look at the claims to see
`if they are directed to an abstract idea and then, of course, under step 2 we
`must then evaluate the claimed elements individually and as an ordered
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`combination to determine whether those elements transform the claims into
`something more beyond that abstract idea.
`So under step 1 we ask what is the focus of these claims. And these
`claims covered nothing more than the abstract idea of collecting and
`analyzing information and then presenting the results.
`If we turn back to slide 11, which is Claim 1 of the '840 patent, for
`example, the '840 patent recites steps directed to collecting and storing
`financial information which, in essence, are steps directed to collecting
`information, comparing received financial transaction information against
`the stored information, which is a step of analyzing, determining if there's a
`match or mismatch between the received information and the stored
`information, which is a step of analyzing, and then notifying the interested
`parties if there's a match or a mismatch, which is a step of presenting.
`Courts have repeatedly rejected claims, just like these as being directed to
`the abstract idea of collecting and analyzing information and presenting the
`results, and we've cited a litany of those cases in our briefing including, for
`example, Electric Power Group which is directly on point.
`The conventional computer components that are cited in these claims are
`just that. They're conventional, a computer, a database and network
`interface, and it's well settled under the law that those conventional
`components aren't enough to convert a claim directed to an abstract idea to
`one that is not abstract.
`JUDGE CHERRY: Is there evidence in the record that the databases are
`conventional?
`MS. MOFFITT: Yes, Your Honor. We have submitted with our Petition
`the declaration of Tom Conte who analyzes the claims and talks about each
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`of the limitations and why they're conventional. That declaration is
`supported by additional citations to the prior art and in our briefing itself
`we've cited to exhibits that support the notion that these devices that are
`recited in the claims are conventional.
`Under step 2 the Board must consider the claim elements individually
`and then as an ordered combination to determine whether the elements
`transform the nature of the claim into something more. The claims'
`recitation, as I just mentioned, of these various computer components and
`devices do not add anything inventive to the general abstract idea of
`collecting and analyzing information and presenting the results.
`As demonstrated through the Conte declaration and in our papers and the
`citations to the record and the exhibits, they're all conventional computer
`technologies that were well-known in the art at the time of the filing of the
`patents. And in reading through the specification when the specification
`refers to these devices, they're referred to in the most ordinary general sense.
`There are no technical details that are provided about these devices that
`would lead one to believe that they're directed to any kind of improvement
`in these underlying devices themselves.
`And then when you consider even the ordered combination of these steps,
`that, too, does not present any inventive concept. The claims are directed to
`the most ordinary logical sequence of steps, collecting information, storing
`that information, analyzing the information and then presenting the results.
`There's nothing inventive about that ordered sequence of events.
`JUDGE CHERRY: Does the patent identify what the impediment to
`having a system that could be accessed by anyone is, or was it a technical
`impediment, or was it just a business impediment?
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`MS. MOFFITT: The patent doesn't explain what the impediment was. It
`certainly focuses in the spec on the fact that what it believed to be novel was
`providing access to all different members of the transaction clearing process
`access to this database, but that's precisely what databases do. Databases are
`used to store information to provide access to that information to a plurality
`of people.
`JUDGE CHERRY: Does the specification have any novel way that it
`does the access?
`MS. MOFFITT: With respect to access, in particular, Your Honor, there
`is no discussion about how that access is provided. There are no details that
`would explain what the technical problem was associated with providing
`access to members of the transaction clearing process and how this particular
`system is configured to provide that access to overcome that problem.
`There's absolutely no discussion in that regard in the patent and, therefore,
`it's just recited in the spec at a very high level of generality as it is in the
`claims.
`So with respect to the Patent Owner's position on 101, in its Response it
`doesn't even address any of the cases that we've cited that establish that
`claims directed to collecting, analyzing and presenting information are
`abstract, even though the Board on institution noted that they were
`indistinguishable from this particular case. Instead, the Patent Owner recites
`a litany of other cases that it uses to argue that the claims are directed to
`improvements in computer functionality as to the timing, speed and accuracy
`of the matching of the data, of the authentication of the data and of the
`notification mechanisms that are used and recited in the claims.
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`But the claims aren't directed to any kind of improvement in computer
`functionality, much less improvements dealing with the timing or the
`accuracy or the speed associated with collecting, analyzing and presenting
`information. The claims don't focus on any improvements and the
`specification doesn't describe any improvements to the underlying
`technologies.
`The Patent Owner also claims that the patent is unique over prior art
`systems because it uses disparate databases and computerized systems with
`multifactor authentication, but, again, those aspects or those concepts or
`those technologies are not recited anywhere in the claims and, therefore, the
`claims cannot possibly be directed to improvements in that type of
`technology.
`Again, the only claimed advance in the patent is providing every
`participant in the payment-clearing process access to the database at every
`point along the check-clearing process or the payment clearing process, and
`there is simply nothing in the specification that describes any novel way or
`improved way of providing that access.
`JUDGE SAINDON: Counsel, I have a question. So sometimes when
`thinking about 101, I like to ask myself, well, you're saying that this doesn't
`meet 101, what in your mind what is enough, what is enough to not be an
`abstract idea or what's enough to be -- you know, to be -- to add substantially
`more than just a generic computer component? We don't want to have an
`impossible standard to meet here, so is there any examples you have?
`MS. MOFFITT: Certainly I think you have to look to the cases
`themselves where patents and claims were deemed to be valid under Section
`101 or patentable under 101. An example would be, for example, Enfish.
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`Case CBM2017-00036 (Patent 8,768,840 B2)
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`The Enfish case which was directed to an unconventional self-referential
`database where the technology itself was an improvement over the prior art
`or the conventional databases, and the patent was directed to a very specific
`new unconventional way about structuring a database in a self-referential
`way which led to improvements in the way a computer might store
`information or retrieve information. That claim was directed to an
`improvement in the underlying computer technology.
`Here, we simply have claims that are directed to these abstract concepts
`of collecting information and analyzing information and presenting the
`results using computer technology, where that technology is simply
`implemented as a tool to carry out the process rather than the focus of the
`claims being on the improvement to the underlying technology itself.
`JUDGE SAINDON: So improving technology is not an improvement to
`a process because of technology. It's the technology actually functions
`that way.
`MS. MOFFITT: It could be an improvement to the underlying
`technology itself. In the case of DDR Holdings, for example, in that case it
`was -- there was a problem within the internet space that was presented in an
`internet context where the improvement was a hybrid web page that was
`being presented. And in that case, which is a slightly different analysis I
`think, the Court found that the invention was rooted in computer technology
`in a way that overcame a problem that's specific to the problems that were
`being presented in computer networks and so it's an improvement in the
`underlying technology or the way that you're implementing the technology
`perhaps in an unconventional way to solve a problem in the technical arts.
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`JUDGE CHERRY: And how do you respond to Patent Owner's point,
`which I think they make that this is rooted in computer technology because it
`is a computer-implemented method?
`MS. MOFFITT: That would be based on a misunderstanding of the law,
`Your Honor. The mere fact that a claim recites technology is not enough for
`the claim to be rooted in computer technology under the analysis provided in
`DDR Holdings. There is plenty of cases out there that make the point that
`simply reciting conventional computer technology to carry out a process in a
`very conventional way according to the functions of the way the technology
`works is not enough to make the claims patentable.
`[INTERRUPTION]
`JUDGE CHERRY: Sorry, we periodically get drills, safety drills.
`MS. MOFFITT: I've been getting them all morning, Your Honor.
`The dependent claims of the '840 patent are also directed to the abstract
`idea of collecting and analyzing information and presenting the results, and
`we provide our analysis of the dependent claims in our briefing. We've
`categorized the dependent claims in groups, a first group, a second group
`and a third group.
`For example, the first group of claims, Claims 2, 4, 10 and 17, they
`simply specify what known financial information could be stored in a
`database and what sources from which such data could be received. Those
`limitations do not transform the claims into any patent eligible subject
`matter. You know, it's well settled that simply specifying what content or
`what source you're pulling information from, that's not enough to make the
`claims not abstract.
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`Case CBM2017-00036 (Patent 8,768,840 B2)
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`As to the second grouping of Dependent Claims 3, 9 and 16, those
`specify just different types of financial transactions that were well-known in
`the art at the time that the patents were filed, but, again, that's also
`insufficient to confer patentability. Limiting the claims to a particular
`technological environment isn't enough to make the claims not abstract.
`And then, finally, the third group which is Claims 5 through 7, 11
`through 14 and 18 through 20, those are simply directed to additional
`abstract data processing steps. It's more of the same of what we're seeing in
`claim -- in the independent claims, you know, for example claims directed to
`archiving information, storing information, matching data, variance of what
`we see in the independent claims. And under the cases we cited in our
`papers, those are similarly abstract data processing steps.
`The Patent Owner's proposed amended claims fare no better under
`Section 101. The Patent Owner has proposed a series of amended claims,
`Claims 21, 20 and 35, in the event the independent claims are found to be
`unpatentable. These claims are similarly directed to detecting fraud in a
`financial transaction by collecting and analyzing information and presenting
`the results. So, for example, Claim 21 is representative. Those appear on
`slides 15 through 17 of our demonstratives.
`JUDGE CHERRY: What is Petitioner's position on what the Universal
`Positive Pay Database limitation adds to the claim, if anything?
`MS. MOFFITT: Thank you, Your Honor. The Patent Owner in its
`motion does not address how the claims are amended to address the 101
`issues that we've raised in our Petition. And, in fact, in our briefing we've
`argued that the Patent Owner has failed to demonstrate how its amendments
`respond to the Section 101 issues presented in the Petition. It doesn't even
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`attempt to address that issue, in fact. The sole mention of Section 101 in the
`Patent Owner's motion is simply to acknowledge that the Board instituted on
`those grounds. And while the Patent Owner argues that the amended claims
`are novel and nonobvious, we haven't challenged the claims in this
`proceeding on that basis.
`The sole issue in the 0036 proceeding is Section 101 and the Patent
`Owner has failed to address that requirement and on those grounds the
`motion should be denied. It hasn't overcome the procedural threshold that's
`required to even have the motion granted in the first instance.
`So with respect to Claim 21, this claim is directed to a
`computer-implemented method for detecting fraud in electronic transactions.
`It recites several steps, including receiving a first record of a financial
`transaction in "Positive Pay File Format", storing in a Universal Positive Pay
`Database the first record in Issue File Format which is converted from and
`coincides with the Positive Pay File Format, receiving a second record in
`Issue File Format, automatically determining if there is a match between the
`first and second records which appears on slide 16. Sorry about that.
`And then on slide 17, dynamically sending a notification when there is a
`match or a mismatch, and th