Patent decision

BL number

O/030/04

Concerning rights in

GB0114097.9

Hearing Officer

Mr A Bartlett

Decision date

2 February 2004

Person(s) or Company(s) involved

John Francis Regan

Provisions discussed

Patents Act 1977 s1(2)

Keywords

Excluded fields (refused)

Related Decisions

None

Summary

The application concerns a computerised system for linking loan application and debt recovery procedures. When a loan eg for a car is applied for, information on the applicant and the vehicle etc is stored on a database. That same information is then used to co-ordinate a debt recovery process carried out by a number of agents if the loan is in default. The system reduces the risk of data input errors and makes the recovery process more efficient.

The application was refused as a method for doing business and a program for a computer. The problem to be addressed was one of business efficiency and the advantages achieved were exactly the sort expected when a computer system is employed to do what was previously done manually.

Full decision O/030/04 27Kb