Actuarial Consulting Life Insurance Intellectual = Property

Insurance IP Bulletin

An Information Bulletin on = Intellectual Property=20 activities in the insurance industry

A Publication of - Tom Bakos = Consulting,=20 Inc. and Markets, Patents and Alliances,=20 LLC

February 15, = 2006

VOL:=20 2006.1

Adobe pdf=20 version	FEEDBACK	ADD=20 ME to e-mail = Distribution
Printer Friendly=20 version	QUESTION	REMOVE=20 ME from e-mail=20 Distribution

Publisher Contacts=20

Tom Bakos=20 Consulting, Inc.
Tom=20 Bakos: (970) 626-3049
tbakos@BakosEnterprises.com

Markets, Patents and Alliances,=20 LLC
Mark=20 Nowotarski: (203) 975-7678
mailto:mnowotarski@M= arketsand%20Patents.com=20

Complete = contact=20 information.

Find Prior = Issues=20 HERE

Patent Study Regulation

Proposed=20 Rule Changes at the USPTO

As indicated in our feature article, the = USPTO has=20 proposed major changes in the rules governing the filing of new = patent=20 applications. These = rules=20 would introduce new limits on the number of continuing = applications an=20 inventor can file and how many claims per application an inventor = can have=20 examined. You can = read the=20 details of the proposed changes and the rationale behind them at: = http://www.uspto.gov/web/offices/com/speeches/06-01.htm

The USPTO asserts that these rule changes = will increase=20 the speed and efficiency of patent examination and reduce the = misuse of=20 patents by unscrupulous inventors that take advantage of loopholes = in the=20 system.

The consensus found among patent agents and = attorneys,=20 however, is that these proposed rule changes will have the exact = opposite=20 effect. They will = lead to a=20 substantial increase the cost of filing and prosecuting patent=20 applications, prosecution times will become much longer due to the = necessity to file more appeals, =20 and new loopholes will be created that may lead to even = worse=20 abuses of the system. =

The public is invited to comment on the = proposed rule=20 changes. Emails can = be sent=20 to: ab93comments@uspto.gov. The deadline for = comments is May=20 3, 2006. The USPTO is also = sponsoring =93Town=20 Meetings=94 to explain the rationale and implications of the = changes. Announcements of = town=20 meetings can be found at http://www.uspto.gov/

Patent=20 Events

Managing=20 Retirement Income Symposium February=20 27 =96 March 1, 2006,Boston MA

The Institute = for=20 International Research (IIR) will present a session on The Impact of Innovation and = IP Rights=20 on Retirement Income Products at a Symposium this month in = Boston, = MA. The meeting will be held = at=20 Hotel@MIT in Cambridge. The speaker will be=20 Tom Bakos, FSA,=20 MAAA .

For = registration and=20 information, go to http://www.iirusa.com/retirementincome.

Patent=20 Session at Meeting of Casualty Actuaries of New England
March=20 28, 2006 =96 Sturbridge,=20 MA

The Casualty Actuaries of New England will present a = session on=20 patents at their Spring Meeting to be held on March 28, 2006. The meeting will be = located at the=20 Sturbridge Host Hotel in Sturbridge MA. The speakers will be = Mark=20 Nowotarski, patent agent, and Kiri = Parankirinathan=20 ASA, inventor of Survival Risk Insurance = (US patent=20 6,999,935).

For registration and information, contact Daniel Lowen, = 617 375=20 2485, or by email, mailto:daniel.lowen@ey.com

Auto=20 Insurance Report National Conference
April=20 23 =96 25, 2006 =96Monarch=20 Beach, CA

This annual conference = attended by leaders=20 in the auto insurance industry is already sold out. Tom Bakos will provide = attendees=20 with insight into current IP activities in the auto insurance = industry and=20 how patents are being used to protect innovation.

For additional information = see: http://www.riskinformation.com

Insurance Patent Session at IP Rights for Financial = Services=20 Meeting
April 25 =96 26, 2006,New=20 York, NY

The Institute for = International=20 Research (IIR) will present a session on Patented Innovations in = Insurance=20 at the upcoming IP Rights for Financial Services meeting to be = held on=20 April 25 =96 26, 2006. = The=20 meeting will be held at the Embassy Suites, New York, NY. The speaker will be Mark = Nowotarski, patent agent.

For registration and information, go to http://www.iirusa.com/iprights<= EM>.

Free Patent=20 Help
Inventor=92s Assistance = Center

Have=20 a tough patent question? =20 There is a free helpline sponsored by the US Patent Office = called=20 the =93Inventors Assistance Center=94. It=92s staffed by = retired patent=20 examiners. The examiners can=92t provide legal advice, but they = can help=20 make sure that procedures are followed properly. Both patent agents and = inventors=20 have found the Inventors Assistance Center to be quite = knowledgeable and=20 a pleasure to work with.

It=20 can be a bit tricky to get through to them. The USPTO would rather = that the=20 public uses its web site (http://www.uspto.gov/) to answer routine = questions. When a = problem is=20 unique or complicated, however, it=92s worth going straight to the = assistance center. =20

Here is how to call the Inventors Assistance=20 Center:

Dial = the USPTO=92s=20 main number, 1 (800) 786-9199.
At the = first prompt=20 press 2.
At the = second prompt=20 press 4.
You = will then be=20 connected to an operator.
Ask to = be connected=20 to the Inventor=92s Assistance Center=20 .
You = will then listen=20 to a prerecorded message before being connected to a person who = can help=20 you.

The=20 Inventor=92s Assistance Center is especially = useful for=20 those inventors that wish to file their patent applications=20 themselves. The = examiners at=20 the Center can walk an inventor through the forms that need to be = filled=20 out and give guidance on proper procedures. They cannot, however, = help with=20 drafting an application, reviewing claims or helping develop = arguments or=20 amendments to overcome a rejection. =20 For that the inventor needs a licensed patent agent or = patent=20 attorney.

Another benefit of their experience is that they = personally know=20 many of the key people in the office that an inventor might need = to=20 reach. This = includes the=20 people in the electronic business center, publications, petitions, = and the=20 PCT help desk.

The=20 Inventor=92s Assistance Center is a valuable = service=20 provided by the USPTO to the public. =20 Although difficult to reach, they are well worth the=20 effort.

Statistics =

An Update on Current = Patent=20 Activity

The table below provides the latest statistics = in overall=20 class 705 and subclass 4. The data shows issued patents and = published=20 patent applications for this class and subclass. =

3DTable=20

Class 705 is defined as: DATA = PROCESSING:=20 FINANCIAL, BUSINESS PRACTICE, MANAGEMENT, OR COST/PRICE=20 DETERMINATION.

Subclass 4 is used to identify = claims in class=20 705 which are related to: Insurance (e.g., computer implemented = system=20 or method for writing insurance policy, processing insurance = claim,=20 etc.).

Issued Patents
Since = our last=20 issue, 5 new patents with claims in class 705/4 have been issued: = 3 relate=20 primarily to L&H, 1 relates to auto insurance; and 1 is an=20 administrative system relating to all lines. Three of these newly = issued=20 patents have an assignee indicated. =20

Patents are categorized based = on their=20 claims. Some of = these newly=20 issued patents, therefore, may have only a slight link to = insurance based=20 on only one or a small number of the claims therein.

The Resources section provides = a link to a=20 detailed list of these newly issued patents.

Published Patent = Applications
Twenty six (26) new patent applications with claims in = class 705/4=20 have been published since our last issue. They are broken down by = product=20 line or type area as follows:

  =20 =             &= nbsp; =20         P&C:    = 11
          =20 Life & Health   =20 12
           &nbs= p;            = ;  =20 All:     =20 3
           &nbs= p;      =20 Pension:     =20 0
   =20 =             &= nbsp;  =20 TOTAL:   =20 26 =

The Resources section provides = a link to a=20 detailed list of these newly published patent = applications.

Again, a = reminder=20 -

Patent applications have been = published 18=20 months after their filing date only since March 15, 2001. Therefore, there are = many pending=20 applications that are not yet published. A conservative = assumption would be=20 that there are, currently, about 200 new patent applications filed = every=20 18 months in class 705/4.

The published patent = applications included=20 in the table above are not reduced when applications are issued as = patents, rejected, or abandoned. =20 Therefore, the table only gives an indication of the number = of=20 patent applications currently pending.

Resources

Recently published issued U.S. Patents and U.S. Patent=20 Applications with claims in class 705/4.

The=20 following are links to web sites which contain information helpful = to=20 understanding intellectual property.

United States Patent and = Trademark Office=20 (USPTO) : Homepage - http://www.uspto.gov/=20

United States Patent and = Trademark Office=20 (USPTO) : Patent Application Information=20 Retrieval - http://portal.uspto= .gov/external/portal/pair

Free Patents = Online - http://www.freepatentsonline.c= om/

World Intellectual Property = Organization=20 (WIPO) - http://www.wipo.org/pct/en

Patent Law and Regulation - http://www.uspto.gov/= web/patents/legis.htm

Here is how to call = the USPTO=20 Inventors Assistance Center:=20

Dial the USPTO=92s main number, = 1 (800)=20 786-9199.
At the first prompt press 2. =
At the second prompt press 4. =
You will then be connected to an = operator.=20
Ask to be connected to the = Inventor=92s=20 Assistance Center.
You will then listen to a = prerecorded=20 message before being connected to a person who can help = you.=20

The = following=20 links will take you to the authors=92 websites=20

Mark Nowotarski - = Patent Agent=20 services =96 http://www.marketsandpatents.c= om/

Tom Bakos, FSA, MAAA - Actuarial=20 services =96 http://www.bakosenterprises.com= /

Introduction

In this = issue=92s=20 feature article, Mark Nowotarski uses guidance provided by the = science=20 fiction writer Isaac Asimov to speculate on what patents of the = future=20 might look like. =

The = Patent=20 Regulation section provides links to important changes in the = rules for=20 applying for patents that the USPTO has proposed.

The = Patent Events=20 section gives dates and contact information for several upcoming=20 conferences that have sessions on patents in insurance.

The Free Patent Help section = gives=20 contact information for the USPTO=92s free help line.

The = Statistics=20 section updates the current status of issuedUS patents=20 and published patent applications in the insurance class (i.e.=20 705/004). We also = provide a=20 link to the Insurance IP = Supplement with=20 more detailed information on recently published patent = applications and=20 issued patents.

Our mission is to provide our readers with useful = information=20 on how intellectual property in the insurance industry can be and = is being=20 protected =96 primarily through the use of patents. We will = provide a forum=20 in which insurance IP leaders can share the challenges they have = faced and=20 the solutions they have developed for incorporating patents into = their=20 corporate culture.

Please use the FEEDBACK link above to provide us = with your=20 comments or suggestions. Use QUESTIONS for any inquiries. To be = added to=20 the Insurance IP Bulletin e-mail distribution list, click on ADD = ME. To be=20 removed from our distribution list, click on REMOVE ME.

Thanks,
Tom Bakos & Mark=20 Nowotarski

FEATURE=20 ARTICLE

The Future of = Patents=20
By: Mark=20 Nowotarski
=20 Patent Agent

During my college days, I had the honor of = attending=20 a lecture given by noted science fiction writer, Isaac Asimov^[1]. He shared with our = assembled group=20 his secret for predicting what the world will look like in the = days to=20 come. =93All you have to do=94, he said, =93is look at how = humanity has always=20 behaved in the past, and assume they will continue to behave in = that way=20 in the future=94. =

He told us that one of the ways humanity = has behaved=20 in the past, is that there has always been a reactionary response = to any=20 major social, political, or technological change. A reactionary = response like=20 this appears to be happening right now in the field of = patents. Patent coverage has = become=20 broader, and the public is failing to see the value in it. Unless patents become = more=20 effective at their primary purpose of disclosing valuable new = inventions=20 in a timely manner, reactionary forces are going to rein them = in.

The judicial interpretation of the patent = laws in=20 theU.S. has been = undergoing=20 substantial changes in the past few years. Software is now = patentable.=20 Engineered life forms are patentable. Even methods of doing = business are=20 patentable. Many of = these=20 changes have been brought about by the U.S. Court of Appeals for = the=20 Federal Circuit. = This is an=20 activist court in the good sense of the word. If they can interpret = the laws so=20 that patents will provide the coverage needed to protect new = fields of=20 innovation, they will do so. =20

The tide of public opinion, however, has = been turning=20 against these changes. =20 Patents are seen as being too powerful. Between the Amazon.com = one-click=20 patent, Ronald Katz=92s call center patents and most recently, the = NTP=20 patents that are being asserted against RIM, the maker of = Blackberry=AE=20 email systems, the public perception is that patents give too much = protection to inventors relative to the good they bring to = society.

Witness two rule changes that the USPTO has = recently=20 proposed that are ostensibly being made to improve the efficiency = of=20 patent examination. = One of=20 the consequences of these rule changes is that, if they are = implemented,=20 it will be much more difficult for inventors to get broad patent=20 protection for their inventions. =20 Thus these rule changes may be more of a reactionary = response to=20 overly broad patents than a genuine attempt to improve efficiency = at the=20 patent office.

The public may be right. Patents may have = become too=20 powerful relative to the value they bring to society. Perhaps the problem is = with=20 patents themselves. = Perhaps=20 it=92s time for them to evolve into a new form.

Patents were originally developed in the = 1600=92s as=20 means for governments to encourage the revelation of otherwise = secret=20 inventions. Patents = had to=20 contain enough information so that another person skilled in the = art could=20 read them and recreate the inventions disclosed therein without = undue=20 experimentation. If = they met=20 that criteria, then the country they were filed in would grant the = inventor a limited right to prevent anyone else in that country = from=20 making, using or selling the invention.

Patent disclosures were limited narrative=20 descriptions of how to make and use an invention. The descriptions were = supported by=20 simple line drawings if necessary. =20 This was due to the historical, technological limitations = of how=20 patents were distributed. =20 They were published in books using moveable type presses = and hand=20 carved plates for drawings. =20

Examination of patents was by hand and took = about=20 three years. This = was fine=20 given the slow pace of technological development.

Except in extreme cases of questionable = utility (e.g.=20 flying machines), there was no need to prove that a given = invention=20 actually worked. =

This is still largely the same way it is = done=20 today. Disclosures = are=20 limited to narrative descriptions; drawings can only be in black = and white=20 and must fit on standard sized pieces of paper for printing = purposes;=20 examination takes well over three years; and, except in extreme = cases of=20 questionable functionality (e.g. cold fusion) there is no need to = prove=20 that a given invention actually works.

This may have been OK in the days of steam = ships and=20 horse drawn carriages, but it fails today. = If patents=20 are once again to become a valuable resource for promoting the = revelation=20 and transfer of otherwise secret but useful inventions, then the=20 mechanisms used for disclosing these otherwise secret inventions = and the=20 means for demonstrating their usefulness must keep up with the = times.

Open Source software has already made this=20 transition. Open = Source=20 software is a new method for promoting disclosure of innovations = in the=20 field of computer programming. =20 Computer code is considered to be =93open source=94, when = the source=20 code is made publicly available under the condition that those who = improve=20 the software must also make those improvements publicly available = as Open=20 Source. The = Linux=AE=20 operating system is the most well known example of useful and = valuable=20 software being developed by the Open Source process. Open Source computer = code,=20 however, is widely used in many areas of software = development. In fact, some might = argue that=20 it=92s nearly impossible to find software that doesn=92t = incorporate Open=20 Source code to some extent^[2]. This is true even in the = financial=20 services industry.

One of the reasons for the success of Open = Source is=20 that its disclosures are immediately available in a format = that=92s=20 immediately useful. = It=92s on=20 the Internet and it=92s source code. =20 If you want to see if a piece of Open Source software = works, you=20 download it, compile it, and run it. =20 If it doesn=92t do everything you want it to do, you modify = the=20 source code and improve it. =20 You then make your improvements available as Open Source = and others=20 can benefit immediately from your work.

One of the problems with Open Source is = that it is=20 strictly a barter system. = The=20 only reward that is available to those that disclose their source = code is=20 access to more source code. =20 This is great if you like source code, but if Open Source = is to=20 become a viable alternative to patents it must provide rewards = which can=20 be in whatever form the discloser finds most valuable. That=92s what money = is. Until monetary rewards = are=20 available for Open Source disclosures the way they are for = patents, Open=20 Source will be limited to the communities of innovators that will = be=20 satisfied with bartering their services for services in kind.

Isaac Asimov was an inspiring speaker. His message about the = universal=20 reactionary response to all change has stayed with me. We are seeing that = reactionary=20 change play out in the field of patents due to the recent changes = in the=20 types of inventions that patents can cover. The proposed rule = changes by the=20 USPTO is one example. = Whether=20 or not these particular rules changes are ever implemented is=20 irrelevant. Some = sort of=20 constraint on patent rights is coming soon unless patents = themselves=20 evolve into a more effective and valuable means of = disclosure.

[1]=20 Isaac Asimov is the author of I Robot and other science = fiction=20 works.

[2]=20 The widespread incorporation of Open Source into proprietary = software=20 poses a legal risk to those that do it. According to most open = source=20 licenses, any software that incorporates open source must itself = be Open=20 = Source.

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