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`IS COLLEGE LIBRARY
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`\.
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`H mm
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`mu
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`HWIHI
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`1 07 0003252191
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`Page 000696
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`On the cover: Photomicrograph of crystals of vitamin B1.
`(Dennis Kunkel, University of Hawaii)
`
`Included in this Di'ctionary are defiiiitiéns which have been published previously iuthje following works: P. 13.
`Iordain. Condensed Computer Encyclopedia, Copyright © 1969 by Mofiraw-Hill, Inc. All-rights reserved. 1.
`Markus. Electronics and lllucleonlcs D1gu'o_;1ary._4m ed., cauynght-"©4960. 1965. "1973 by _McGraw—Hill. Inc.
`All rights reserved.-J. Quick. Artists’ am'iIllu_r!_ra'to'rs' Encyclopedia, coi;-yi-xght © 19_69‘]5y M.c(_}raw-Hill. Inc. All
`rights reserved. Blal<is'to'n'.'s GouldMedicaI'Dictioi1ary. 3d ed., Copyright © 1956. 1972 by McGraw—Hill. Inc. All
`rights reserved. T. Baumeister and L. 5. Marks. eds.. Standard Handbook for Mecha'nical'Enginzers. 7th ed..
`Copyright © l_958.__l9_67 by Mc'C_iraw—l-lill,'
`A_l1rigl_1ts-reserved.
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`In addition, material has been drawn from the follovving references: R. 1'2.-.-H'usch]<e.' Glossary of Meteorology.
`American Meteorological Society.$1959; U.S.‘ Air Force Glossary _af.S‘raru'1t.1r¢i_zed«.Te'r_-rn.v,'AF'Manual ll-1. vol.
`I. 1972; Camrnrinzzcdlioitr-Electronics Terininolagy. AF Manual 11-1, vol. 3}. I970;_Wf.'-
`'-A_llen. ed., Dictionary
`of Technical Termifor Aerospace Use, 1st ed., National Aeronautics and Space Adntinistration, 1965; J. M.
`Gilliiand, Solar-Terrestrial Physics: A Glossary ofTerm: andAbbreviations, Royal Aircraft Establishment Tech-
`nical Report 67158. I967; GlossaryafAir Trafiic Cqnlrol Terror. Federal Aviation Agency; A Glossary ofRange
`Terminology. White Sands Mis.1‘iIe.Range, Iilevii Nat_i6nal-'B.1';_reau of'Slandards, AD 467-424; A DOD
`Glossary ofMapping, Charting and Geodetic Térm.r.. 1st ed., Department o'fjDefense. 1967: 7- W‘ Th"-‘Sh. Comp-
`a.nd ed., A Dictionary ofMinirig -M_-ineral, andReIatedTizr7ir.t":B:11r'e__t_Iu of'Mirii:s, 1968; Nuclear Tenns:/1 Glossary,
`2d ed., Atomic Energy Comriiissinn: _F._Ca.sey,‘ei_1.. Cognpilationibf Term.si_in Information Science: Technology.
`Federal Council for Science andTechnology. I 970; Glossary'afSlinfa’TeriniFzbla§y. Office ofAerospace Research.
`U.S. Air Force. 1963; Naval Dictionary ofElectronic. Technical, and Imperative Terms, Bureau of Naval Person-
`net. 1952; ADP Gzauuary. Department_of.tl1e_ Navy._NAvso P-3097.
`'-
`
`McGRAW-HILL DICTIONAR‘l_"_0F SCIE_N'I'IFIC_AND TECHNICAL TERMS.
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`Copyrighl © 1994. 1989, 1984, 1978, 1976, 1974 by McGraw-Hill. Inc. All rights reserved. Printed in the United
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`McGraw-Hill dictionary of scientific and technical terms I
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`Page 000697
`
`

`
`
`logic operauon
`
`logarithmic scale
`
`1164
`
`ing stress is independent of distance from the boundary. and the
`mixing length is proportional either to the distance from the
`boundary or to the ratio of the first derivative of the profile of
`velocity itselfto the second derivative.
`I ‘lag-onig-mik 'pr6,fil
`av va'liis-ad-E I
`'
`-
`logarithmic scale [MATH] A scale in which the distances that
`numbers are at from a reference point are proportional to their
`logaiitltms.
`I
`'l;«ig-orig-mi.l< 'Sk5.l J
`logarithmic spiral
`[MATH] The spiral plane curve whose
`points in polar coordinates (r,B) satisfy the equation log r = a6.
`Also known as equiangularxspiral.
`I
`'la'g'a,rig-mik 'spI-rel I.
`logarithmic transformation _[STA'l'] The replacement of a
`variate y with a new variatcz = log yorz = log (y + c), where
`c is a constant; this operationis often performed when the re-
`sulting distribution is nomial, or if the resulting relationship
`with another variable is linear.
`I
`'lag'a,rig-mil: ,trariz-for'ma-
`shon I
`’
`logarithmictrlgonometrictunctlon [MATH] The logarithm
`of the corresponding trigonometric function.
`I
`'l'ag-a.t-‘lg-rnik
`‘ttigrs-no,me-trik ,f9l]k'Sll9ll I
`[METEOROL] The theoretical
`logarithmic velocity profile
`- variation of the mean wind speed with height in the surface
`boundary layer under certain assumptions.
`I
`'lll.g'9II'l!l_'l11ik
`'
`va'l'a's-ad'E ,prt'J,fi‘.l
`]
`logbook [COMPUT set] A bound volume in which operating
`data of a computer is noted.
`[NAV] A bookin which all affairs
`and events of navigational importance of a ship are recorded,
`such as speed and ship’s progress.
`I- 'liig,bi'il< )
`logger
`[ENG] A recorder that automatically scans measured
`quantities at specified times and records, or logs. their values on
`achart.
`I
`'liig-or]
`2
`loggia [ARCH] A roofed open arcade on the side of a building.
`I ‘lo-jé-a I
`logging [ENG] Continuous recording versus depth of some
`characteristic datum of the formations penetrated by a drill hole;
`for example, resistivity, spontaneous potential. conductivity.
`fluid content, radioactivity, or density.
`[FOR] The cutting and
`removal of the woody stem portions of forest trees.
`I ‘lag-in I
`logic
`[ELECTR]
`1. The basic principles and applications of
`truth tables. interconnections of on/off.ci.rcuit elements, and
`other factors involved in mathematical computation in a com-
`puter. 2. General tertn for the various types of gates, flip-flops,
`andother on/off circuits used to perform problem-solving ftmc-
`tions in a digital computer.
`[MATH]
`The subject -that
`investigates, formulates. and establishes principles of valid rea-
`soning.
`I 'liij-ik I
`logical addition [MATH] The additive binary operation of a
`Boolean algebra.
`I
`'l'tij-a-kal a'dish-an I
`loglcalcomparison [COMPUTSCII The operation of compar-
`ing two items in a computer and producing a one output it‘ they
`are equal or alike, and a zero output it‘ not alike.
`I
`'laj-9-kol
`kam'pai~a-son ]
`'
`loglcalconnectlves [MATH] Symbols wliichlinkmathemat-
`ical statements; these symbols represent the terms "and," "or."
`“implication," and “negationff
`I '1ilj-o-kall<a'nek-tivz I
`logical construction [concur sci] Asimplelogicalproperty
`that determines the type of characters which a particular code
`represents; for example, the first two bits can tell whether a
`character is numeric oralphabetic.
`I
`'l?a‘j-:rkalkan'sti*ak-shon I
`logical data Independence [cowirrsct] A data base struc-
`tured so that changing the logical structure will not affect its
`accessibility by the program reading it.
`I
`'lllj-e'k9l Idad'a ,in-
`ds'pen-dcns l
`logical data type ICOMPUT sci] A scalar data type in which
`a data item can have only one of two values: true or false. Also
`known as Boolean data type.
`I
`'l'aj-ovkol ‘dad-9 .t.ip }
`logical decision [COMPUT sct] The ability to select one of
`many paths, depending upon intermediate programming data.
`I
`'liij-9-koi di'sizh'at1 I
`logical device table [CDMFUT sci] A table that is used to keep
`track of information pertaining to an input/output operation on
`a logical unit, and thatcontains such infomiationas the symbolic
`name of the logical unit. the logical device type and the name
`of the file currently attachedtoit, the logicalinput/outputrequest
`currently pending on the device, and a pointer to the buffers
`currently associated with the device.
`I
`'liij-3-kal dilvis ,ti-bal I
`logical expression [COMPUT sct] Two arithmetic expres-
`sions connected by a relational operator indicating whether an
`expression is greater than. equal to. or less than the other. or
`
`I
`
`connected by a logical variable, logical constam(
`or logical operator.
`I
`'liij-o~ltal ik'spresh-mi
`“"3 Wing).
`logical iield [comur sct] A data field whose‘,
`.
`take on only two values, which are designaigd yes ‘Win q,
`and false, or 0 and l.
`I
`'l‘aij-:3-kal ‘fem ]
`‘"5 no, in
`logical llie
`[comur set] A file as seen
`cessing it.
`'lilj-9-kal in I
`I
`by m“ l"°3mm ...
`logical flow chati
`[COMJ’UT sci] A detailed gram
`in temis of the logical operations required to solve ac 5°!”-its
`I
`'l5j-a-kol as ,chiirt 1
`_
`_
`Mien:
`I
`logical function See predicate.
`'laj-a-ks] 'f:uk.5han)
`logical gate See switching gate.
`I 'lllj'a'ka1‘g§I I
`logical instruction [OOMPUT sci] A digital computer.
`tion which forms a logical combination (on a bit-by.bj"[mu1—t'
`of its operands and leaves the result in a known location hf’
`a-kai in'st:rak-shat: 1
`'
`I lit
`logical multiplication [MATH] The multiplicative 51,,
`eration of a'Boolean algebra.
`I
`'ltlj-a-kal mal-ta-p|;'k§.5h
`logical page [cor/n=u'r sct] A unit of computer storage?‘
`sisting of a specified number of bytes.
`I
`'llij-a-ital ‘paj I M
`logical record [COMPUT sct] A group of adjacent. logigal
`.
`related data items.
`I
`'liij-a-kal '-rek-aid I
`"
`loglcalsecurity [cowursci] Mcchaliisnlsllllfifflflllbfltotn.
`puting system that are used to protect against i.I'lterna,I misuse or
`computing time and unauthorized access to data.
`I
`'15‘.-M I
`sa'kyt‘ir-ad-E }
`v
`J
`I
`logical shifl
`[COMPUT sct] A shift operation that treats Ill:
`operand as a set of bits, not as a signed numeric value orclar.
`acter representation.
`I
`'lilj‘a-kal ‘shift I
`logical sum [COMPUT set] A computer addifion in Wllltfllllpe
`result is 1 when either one or both input variables is l, llldlhe
`result is 0 when the input variables are botlt 0.
`I
`'lij-;k;|
`‘scam I
`logical symbol
`[COMFUT sci] A graphical symbol used in
`represent a logic element.
`I
`'laj-zi-kal 'sim'bal I
`logical unit
`[corvn>u'r sci], An abstraction of an input/output
`device in the fonri of an additional name given to line device in
`a computer program.
`I
`'lij-a-ital 'yii-nat I
`logloarlthmetlc unit See arithmetical unit.
`iik ,yii-not I
`logic bomb [COMPUT sct] A computer program that destroys
`data, generally immediately after it has been loaded.
`I
`'l'iij-ii:
`.bi1'm l
`logic card [ELECTR] A small fiber chassis on which resistors.
`capacitors. transistors, magnetic cores, and diodes are mounted
`and interconnected in such a way as to perfonn some computer
`function; computers employing this type of constniction _may
`be repaired by removing the faulty card and replacing it with a
`new card.
`I 'laj-ik ,l<lird ]
`logic chip [COMPUT sci] An integrated circuit that pcrlomts
`logic functions.
`I
`'lilj-il< ,chip I
`_
`logic cl rcult
`[COMPUT sci] A computer circuit that provide!
`the action of a logic function or logic operation. Also lutwfl
`as logic gate.
`I
`'lilj'ik ,5:-Jrkat I
`logic design [COMPUT sct] The design of a computer it the
`level which considers the operation ofeach functional blO€'X {lid
`the relationships between the functional blocks.
`l
`i5l"k
`di,zin I
`»
`-
`_
`logic diagram [COMPUT sci] A graphical repl'eE5l_ll8ll°“ 0i
`the logic design or a portion thereof; displays the exis1enCc_°l
`functional elements and the paths by which they interact with
`one another.
`I
`'1'rij-ik ,di-a.gram )
`logic element
`[CDMPUT sci] A hardware circuit that perfom“
`a simple, predefined transformation on its input and pn‘-551'“ ""
`resulting signal as its output. Occasionally known as funC|°'-
`[ ‘iiij-ik ,el-a-mant )
`_
`.
`logic error
`[COMFUT sci] An error in pro
`mm: W,‘ '5
`caused by faulty reasoning, resulting in the program's funtnm
`ing incorrectly if the instructions containing the error 3” ‘“'
`countered.
`I .'lfij'ik .€I‘?l’
`]
`b.
`'ltlj-ik ,git I
`I
`logic gate See logic circuit.
`logic high [ELECTR] The electronic representation of the l-
`nary digit 1 in a digital circuit or device.
`{ 'l'iij-ik ‘hi I
`5
`logic level
`[ELECTR] One of the two voltages Wi'l°5° "WEI
`have been arbitrarily chosen to represent the binary _l|“""b"“] I
`and 0 in a particular data-processing system.
`I
`'l5.l'lk Il"".'°m.
`logic low [ELECTR] The electronic representation ofL115 5"‘
`v
`digit 0 in a digital circuit or device.
`I
`'liij-ik ,io l
`[M
`Iogicoperatlon [comrur sci] A nonarithmetical 017°”
`
`'laj-ilca‘ritlrmr
`
`I
`
`Page 000698
`
`

`
`rat-ingl
`
`rat-ing (ra’tTng) noun
`
`1.
`
`2.
`
`3.
`4.
`
`A position assigned on a scale; a standing.
`
`a. A classification according to specialty or proficiency, as of a member of the
`
`armed forces. b. Chief/y British. An enlisted person in the navy.
`An evaluation of the financial status of a business or person: a cred/'t rating.
`A specified performance limit, as of capacity, range,‘ or operational capability: the
`
`power rating of a light fixture.
`
`5. The popularity of a television or radio program as estimated by a poll of
`
`segments of the audience.
`
`Excerpted from The American Heritage Dictionary of the English Language, Third Edition Copyright © 1992
`by Houghton Mifflin Company. Electronic version licensed from Lernout & Hauspie Speech Products N.V.,
`further reproduction and distribution restricted in accordance with the Copyright Law of the United States.
`All rights reserved.
`
`Page 000699
`
`

`
`West”law.
`
`COUCH§ 123
`1 Couch on Ins. § 1:3
`
`Page 1
`
`Couch on Insurance Third Edition
`Database updated November 2010
`
`Lee R. Russ in consultation with Thomas F. Scgalla
`
`_Part
`I. THE INSURANCE INDUSTRY AND INSURANCE RELATIONSHIPS
`Chapter
`1. Background and Overview of Insurance[fl
`I. The Insurance Industry and Tenninology
`
`References
`
`§ 1:3. Insurance terminology
`
`West's Key Number Digest
`
`West's Key Number Digest, Insurance €r‘=’1000
`
`In addition to the basic entities and concepts discussed in the preceding section, there are numerous terms that
`abound in the insurance industry that are known little, if at all, outside of that industry. Many of these terms have a
`short lifespan, and many others are used only in a specific geographic area or branch of insurance. It is impossible to
`provide a comprehensive list of insurance tenninology here, and there are many insurance glossaries or dictionaries
`available specifically for that purpose.[_l_]
`
`In addition, many narrower insurance terms are discussed in the following chapters in view of the specific context
`to which the tenns are relevant, and many terms describing types of insurance are discussed in the division of this
`chapter devoted to specific types of insurance.
`
`The following is a far-from-exhaustive listing of terms that have broad application to many aspects of insurance
`that are likely to arise in connection with regulation or litigation:
`- Adverse selection: the statistical phenomenon of people with higher than average risk seeking insurance more
`often than people at average or below average risk; the phenomenon may invalidate risk assessment mechanisms.
`v Allied lines: commonly a reference to specific coverage for a series of risks allied with property insurance, such
`as earthquakes, water damage, damages from sprinklers, and so foith.
`- Allocated benefits: services specifically stated to be covered in the policy, along with a maximum amount that
`will be payable for each one.
`- Automobile insurance plan: the current name for assigned risk plans.m
`-Binder : a statement that a policy of insurance is in force; typically provides temporary coverage for interim
`between application and its approval or disapproval.
`- Claim file: a separate file, either tangible or electronic, relating to a specific claim filed under a policy of in-
`surance, containing all correspondence, intemal evaluations and estimates, and similar information.
`- Coinsurance: clause in property insurance requiring that the property be insured for a minimum percentage of
`its total value and making the insured a “coinsurer” to the extent that the coverage falls below the specified
`minimum.
`
`© 2011 Thomson Reuters. No Claim to Orig. US Gov. Works.
`
`Page 000700
`
`

`
`COUCH § 1:3
`l Couch on Ins. § 1:3 -
`
`Page 2
`
`- Comprehensive coverage: a broad coverage policy, most commonly automobile insurance covering all risks
`except collision.
`- Endorsement: written modification of the coverage of an insurance policy, usually liability or property policy
`(the term rider is a functional equivalent more often used regarding life or health insurance).
`- Exchange rate risk: the risk involved in international insurance transactions, where fluctuations in the ex-
`change rates for the currency of different countries can affect the magnitude of exposure, the value of the pre-
`mium received, or both.
`- File and use law: a regulatory provision allowing insurers to use new rates as soon as they are filed with the
`appropriate authority; opposite of prior approval law.
`- Insurance exchanges: groups that have begun to appear in the United States since the 1970s that are very much
`like Lloyd's of London, acting as central governing bodies for the individual members who insure or reinsure
`large risks.
`-
`~ Lloyd's of London: a central entity overseeing the insurance activity of its members regarding reinsurance and
`the direct coverage of very large or unusual risks; Lloyd's itself is the goveming body which, much like a stock
`exchange, regulates the business of its members, but does not itself conduct that business.
`- Lloyd's associations: a primarily American variation on Lloyd's of London, in which individual underwriters
`are organized into a bigger entity (corporation, partnership, association, and so forth) for the purpose of insuring
`large risks; members each assume a portion of the risk and, unlike Lloyd's of London, transact the business rather
`than oversee it.
`
`- MVR: a “motor vehicle report," listing all accidents, traffic infractions, and similar events involving a given
`insured or applicant.
`- Multiple lines: insurance covering two or more types of insurance that were historically written under separate
`policies (most often property and liability coverages); the concept should eventually lose significance as the
`historical lines of insurance are abandoned.
`- Multiple perils insurance: similar to the concept of multiple lines, above, referring to a policy providing
`coverage of many risks (primarily fire and liability) that were historically covered under separate policies.
`- Package policy/insurance: a single policy combining many different types ofcoverage; these typically involve
`coverage for all risks associated with a specific status or activity, such a homeowner's policy.
`- Prior approval law: a law requiring that new rates cannot be instituted until affirmatively approved by the
`regulatory authority; opposite of file and use law.
`‘
`- Rating: the process of assessing the risk involved in any given insurance situation, for purposes of setting the
`premium (rate); rating “manuals” are collections of information relevant to assessing the risk, and a rating “bu-
`reau” is an organization which compiles relevant loss data from several insurers (the Insurance Services Office
`[ISO] is the country's largest rating bureau).
`- Class/classification rating: a system that places similar insureds into classes, with all members of each class
`charged the same premium.
`- Experience rating: an adjustment of the premium rate to take account of the insurance company's actual ex-
`perience as to losses and expenses in relation to certain risks.
`- Individual rating: a system (used mostly for property insurance) by which each insured's exposure to the
`known risk factors is individually assessed.
`- Judgment rating: a system used when, unlike individual rating, the risk factors are unknown or uncertain,
`requiring that the underwriter determine a rate by his or her own judgment (in plain tenns, an educated guess from
`an experienced guesser).
`- Merit rating: a means of adjusting the ordinary rate (regardless of how it was initially computed) based on the
`conclusion that a specific insured represents a higher than average risk.
`- Reinsurance: see definition of Reinsurer in the next section.
`- Residual market: the insurance market in which the insurer remains free to decline to issue a policy; the
`counterpart to the residual market.
`- Rider: written modification of the terms of an insurance policy, usually life or health policy (the term en-
`dorsement is a functional equivalent more often used regarding property or liability policies).
`- Self-insurance: see the definition of Self-insurer in the next section.
`- Voluntary market: the usual insurance market in which the insurer remains free to decline to issue a policy; the
`
`© 2011 Thomson Reuters. No Claim to Orig. US Gov. Works.
`
`Page 000701
`
`

`
`COUCH § 1:3
`l Couch on Ins. § 123
`
`Page 3
`
`counterpart to the residual market.
`- Date: the expiration date of coverage under a given policy.
`
`FN* The authors would like to acknowledge the contribution of Mary Kay Crowder in the preparation of
`Chapter 1. Ms. Crowder graduated magna cum laude from Pepperdine University School of Law and was a
`member of the Pepperdine Law Review. Ms. Crowder is currently practicing law in Ohio.
`
`
`
`FNI See Lewis B. Davids, Dictionary of Insurance (7th rev. ed. 1990); Thomas E. Green, Glossary of In-
`surance Terms (6th ed. 1994); Marianne T. Keim, Running Press Glossary of Insurance Language (1978); W.
`Han/ey Rubin, Dictionary of Insurance Terms (2d ed. 1991); Richard V. Rupp, Rupp's Insurance & Risk
`Management Glossary (2d ed. 1996); Michael C. Thornsett, Insurance Dictionary (1989).
`
`FN2 See discussion of assigned risk at Couch on Insurance 3d, § 1:27.
`
`Westlaw. © 2010 Thomson Reuters. No Claim to Orig. U.S. Govt. Works.
`
`COUCH § 1:3
`
`END OF DOCUMENT
`
`© 2011 Thomson Reuters. No Claim to Orig. US Gov. Works.
`
`Page 000702
`
`

`
`Attachment 5
`
`Page 000703
`
`

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`Page 000705
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`
`Page 000706
`
`
`
`
`
`
`
`
`
`
`

`
`CERTIFICATE OF EFS FILING UNDER 37 CFR §1.8
`I hereby certify that this correspondence is being electronically transmitted to the United States Patent and Trademark
`Office, Commissioner for Patents, via the EFS pursuant to 37 CFR §1.8 on the below date:
`
`,
`Date: Aprile 2011
`
`_
`Name: James A. Collins
`
`_
`g
`Signature: Names A. Collins!
`
`B RI N K S
`H 0 F E R
`
`G I L S O N
`& L I 0 N E
`
`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`
`In re Ex Parte
`Reexam of:
`
`Robert John McMillan et al.
`
`Reexam Appln.
`No.:
`
`90/011,252
`
`Examiner: Karin M. Reichle
`
`Filed:
`
`For:
`
`September 22, 2010
`
`MOTOR VEHICLE MONITORING SYSTEM
`FOR DETERMINING A COST OF INSURANCE
`
`Art Unit:
`
`3992
`
`Conf. No.2 4116
`
`Attorney Docket No.:
`
`12741-32
`
`CERTIFICATE OF SERVICE
`
`Mail Stop Ex Parte Reexam
`Commissioner for Patents
`PO Box 1450
`Alexandria, VA 22313-1450
`
`Dear Sir:
`
`I hereby certify that a true copy of the foregoing INTERVIEW SUMMARY and RESPONSE TO
`OFFICE ACTION was served this April 6, 2011 by First Class United States Mail, postage prepaid,
`on:
`
`J. Steven Baughman
`Ropes & Gray LLP
`One International Place
`
`Boston, MA 02110
`
`April 6, 2011
`Date
`
`Respectfully submitted,
`
`/James A. Collinsl
`
`James A. Collins (Reg. No. 43,557)
`
`BRINKS
`HOFER
`GILSON
`&LIONE
`
`BRINKS HOFER GILSON & LIONE
`NBC Tower— Suite 3600, 455 N. Cityfront Plaza Drive, Chicago, IL 60611-5599
`
`Page 000707
`
`

`
`I hereby certify that this correspondence is being electronically
`transmitted to the United States Patent and Trademark Office,
`Commissioner for Patents, via the EFS pursuant to 37 CFR § 1.8.
`
`I
`
`EX PARTE REEXAM
`
`/James A. Collins/
`
`James A. Collins, Reg. No. 43,557
`
`April 06, 201]
`Date of Signature & Date of Transmission
`
`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`CENTRAL REEXAMINATION UNIT
`
`Ex parte Reexamination of
`U.S. Patent 6,064,970
`
`Robert J. McMillan, et al.
`
`Control No. 90/011,252
`
`filing Date: August 17, 1998
`
`Confirmation No. 4116
`
`Examiner: Karin M. Reichle
`
`Group Art Unit: 3992
`
`For: MOTOR VEHICLE MONITORING SYSTEM FOR
`DETERMINING A COST OF INSURANCE
`
`:
`
`Attorney Docket No. 12741-32
`
`RESPONSE TO OFFICE ACTION
`
`This paper is submitted in response to the Office Action mailed March 07, 201 1 (“Office
`
`Action”), for which a one-month period for response has been set, i.e., up to and including April
`
`07, 201 1. A copy ofthis submission is being served on the Third Party Requester pursuant to 37
`
`C.F.R. § 1.550(1) as indicated on the attached certificate of service. The Director is authorized to
`
`debit our Deposit Account 23-125, Request 12741-32 for any fee required.
`
`Reexamination Control No. 90/01 1,252
`U.S. Patent 6,064,970
`
`Atty. Dkt. No. 12741-32
`Page 1 of 135
`
`Page 000708
`
`

`
`AMENDMENTS TO THE CLAIMS
`
`1. (previously presented) A method of generating a database comprising data elements
`
`representative of operator or vehicle driving characteristics, the method comprising:
`
`monitoring a plurality of the data elements representative of an operating state of a vehicle or
`
`an action of the operator during a selected time period; and,
`
`recording selected ones of the plurality of data elements into the database when said ones are
`
`determined to be appropriate for recording relative to determining a cost of insurance for the
`
`vehicle during the selected time period, said ones including, a time and location of vehicle
`
`operation and a corresponding log of vehicle speed for the time and location.
`
`2. (previously presented) A database comprising data elements representative of operator or
`
`vehicle driving characteristics for a selected time period including a time and location ofvehicle
`
`operation and a corresponding log of vehicle speed for the time and location, the database then
`
`being used to determine an insurance charge for the vehicle operation for said selected time
`
`period.
`
`3. (previously presented) The database as defined in claim 2 wherein the data elements comprise
`
`raw data elements, derived data elements and calculated data elements.
`
`4. (previously presented) A method of insuring a vehicle operator for a selected period based
`
`upon operator driving characteristics during the period, comprising, steps of:
`
`generating an initial operator profile;
`
`monitoring operator driving characteristics during the selected period; and
`
`deciding a cost of vehicle insurance for the period based upon the operating characteristics
`
`monitored in that period.
`
`Reexamination Control No. 90/011,252
`U.S. Patent 6,064,970
`
`Atty. Dkt. No. 1274]-32
`Page 2 of 135
`
`Page 000709
`
`

`
`5. (previously presented) A method of determining a cost of vehicle insurance for a selected
`
`period based upon monitoring, recording and communicating data representative of operator and
`
`vehicle driving characteristics during said period, whereby the cost is adjustable by relating the
`
`driving characteristics to predetermined safety standards, the method comprising:
`
`determining an initial insured profile and a base cost of vehicle insurance based on said
`
`insured profile;
`
`monitoring a plurality of data elements representative of an operating state of a vehicle or an
`
`action of the operator during the selected period;
`
`recording selected ones ofthe plurality of data elements when said ones are determined to
`
`have a preselected relationship to the safety standards;
`
`consolidating said selected one