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Money Suite v. 21st Century

Representative Claim

  1. A computer-implemented method using front-end network gateways and search criteria entered at a remote computer terminal to conduct a search of multiple financial products for efficient quoting at a remote location, the method including the steps of:

providing at least one data input screen with signals communicated from a digital computer to the remote terminal connected by a communications system, the at least one data input screen at the terminal soliciting entry of financial product selection criteria;

receiving the selection criteria from the terminal over the communications system at the digital computer; and

using the front-end network gateways, data accessible by the digital computer representing the multiple financial products, and the selection criteria entered at the terminal to provide a quote at the terminal for a financial product identified from the multiple financial products.

Posture:

12(b)(6) motion to dismiss.

Abstract Idea: Yes

“There is no dispute that the claims describe a process used to generate price quotes for various types of financial products, based on a given set of criteria. Although Money Suite attempts to frame it otherwise, this concept is abstract.”

Something More: No

“Nonetheless, the court is convinced in this case that clear and convincing evidence shows that the ‘189 Patent fails to claim an inventive contribution sufficient to satisfy § 101. … The outlined sequence of steps is neither inventive nor sufficiently narrow to alleviate preemption concerns.”