Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`REMARKS
`
`1. Claims 1-26 are currently pending. The present Supplemental Amendment D makes
`
`no substantive changesto anyof the claims.
`
`2. 37 C.F.R. §1.111(a)(2)states that “[t]he Office may enter a supplementalreplyif the
`
`supplementalreply is clearly limited to: ...(C) Placement of the application in
`
`condition for allowance; ... [and] (D) Correction of informalities (e.g., typographical
`
`errors).” The present Supplemental AmendmentD is limited to these statutorily-
`
`permitted purposes, and therefore, Applicant requests that this supplemental
`
`amendmentis enteredinits entirety.
`
`3. The specification is amended herein to correct several grammatical and
`
`typographical errors. The amendmentsto the specification are not substantive and
`
`do not introduce any new matter—theironly purpose is correcting minor
`
`grammatical errors. The amendmentsto specification are in full compliance with 37
`
`C.F.R. §1.173(b)(1) and (d).
`
`4. Claim 22 is amendedherein by inserting the word “from”into the following
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`limitation “a benefit claim from the health care provider.” This amendmentcorrects
`
`a typographicalerror, does not introduce any new matter, and does not change the
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`scope of the currently amendedclaim 22.
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`5. The United States law requires that in reissue applications, “[w]henever there is an
`
`amendmentto the claims ..., there mustalso be supplied, on pages separate from
`
`the pages containing the changes, ... an explanation of the supportin the disclosure
`
`of the patent for the changes made to the claims.” See 37 C.F.R. §1.173(c).
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`Page 9 of 14
`
`
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`REMARKS
`
`1. Claims 1-26 are currently pending. The present Supplemental Amendment D makes
`
`no substantive changesto anyof the claims.
`
`2. 37 C.F.R. §1.111(a)(2)states that “[t]he Office may enter a supplementalreplyif the
`
`supplementalreply is clearly limited to: ...(C) Placement of the application in
`
`condition for allowance; ... [and] (D) Correction of informalities (e.g., typographical
`
`errors).” The present Supplemental AmendmentD is limited to these statutorily-
`
`permitted purposes, and therefore, Applicant requests that this supplemental
`
`amendmentis enteredinits entirety.
`
`3. The specification is amended herein to correct several grammatical and
`
`typographical errors. The amendmentsto the specification are not substantive and
`
`do not introduce any new matter—theironly purpose is correcting minor
`
`grammatical errors. The amendmentsto specification are in full compliance with 37
`
`C.F.R. §1.173(b)(1) and (d).
`
`4. Claim 22 is amendedherein by inserting the word “from”into the following
`
`limitation “a benefit claim from the health care provider.” This amendmentcorrects
`
`a typographicalerror, does not introduce any new matter, and does not change the
`
`scope of the currently amendedclaim 22.
`
`5. The United States law requires that in reissue applications, “[w]henever there is an
`
`amendmentto the claims ..., there mustalso be supplied, on pages separate from
`
`the pages containing the changes, ... an explanation of the supportin the disclosure
`
`of the patent for the changes made to the claims.” See 37 C.F.R. §1.173(c).
`
`Page 9 of 14
`
`
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`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`Accordingly, the citations listed herein are directed to the disclosure of the U.S.
`
`Patent No. 7,792,686, currently under reissue examination.
`
`Support for Claims 7-26 in U.S. Patent No. 7,792,686
`
`Claim 7
`
`6. The preamble and limitations of claim 7 are supported bythe disclosure of the U.S. Patent
`No. 7,792,686 as follows:
`
`“A methodoffacilitating paymentof adjudicated health care benefits to a health
`
`care provider on behalf of a payer comprising the steps of”
`
`is supported by the disclosure in column 1 lines 33-36;
`
`“loading a unique, stored-value card accountby one or more
`
`computers with an amountequalto a single, adjudicated benefit payment,
`
`generating an explanation of benefits associated with the payment,”
`
`is supported by the disclosure in column 2 lines 1-3 and 18-19;
`
`“creating a computer-generatedfile containing the stored-value card
`
`account number,the adjudicated benefit payment amount, a card verification
`
`value code, an expiration date, and the explanation of benefits by one or
`
`more computers;”
`
`is supported by the disclosure in column 3 lines 18-22;
`
`“transmitting the file by one or more computersto the health care
`
`provider”
`
`is supported bythe disclosure in column 2 lines 25-26 and 28-30.
`
`7. Claim 8 is supported by the disclosure in column 2 lines 32-34.
`
`Claim 8
`
`8. Claim 9 is supported by the disclosure in column1 lines 64-67.
`
`Claim 9
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`Page 10 of 14
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`
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`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`9. Claim 10 is supported by the disclosure in column 3 lines 22-25.
`
`Claim 10
`
`10. Claim 11 is supported by the disclosure in column2 lines 6-7.
`
`Claim 11
`
`Claim 12
`
`11. The preamble andlimitations of claim 12 are supported bythe disclosure of the U.S. Patent
`No. 7,792,686 as follows:
`
`“A system for paymentof health care benefits combining payment terms and
`
`an explanation of benefits, the system comprising:”
`
`is supported by the disclosure in column 1 lines 33-39;
`
`“an explanation of benefits describing medical services provided to a
`
`patient by a health care provider, an amountbilled by the health care
`
`provider and an amountpaid bythe patient’s insurance company;”
`is supported by the disclosure in column 2 lines 18-20 and column3 lines 26-29;
`
`“a payment mechanism associated with the explanation of benefits,
`
`the payment mechanism merging a stored-value card account number, an
`
`adjudicated benefit payment amount, a card verification value code, and an
`
`expiration date with the explanation of benefits into a document by one or
`
`more computers;”
`
`is supported by the disclosure in column 3 lines 16-22:
`
`“wherein the stored-value card account numberis linked to a unique,
`
`stored-value card account prefunded with an amountequaltoasingle,
`
`adjudicated benefit payment, and wherein the documentis electronically
`
`transmitted to the health care provider as paymentfor the medical services
`
`by said one or more computers”
`
`is supported bythe disclosure in column 2 lines 1-4 and 26-31.
`
`12.Claim 13 is supported by the disclosure in column2 lines 32-34.
`
`Claim 13
`
`Claim 14
`
`Page 11 of 14
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`
`
`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`13. Claim 14 is supported by the disclosure in column 1 lines 64-67.
`
`14. Claim 15 is supported by the disclosure in column 3 lines 22-25.
`
`Claim 15
`
`15. Claim 16 is supported by the disclosure in column2 lines 6-7.
`
`Claim 16
`
`16. The preamble andlimitations of claim 17 are supported bythe disclosure of the U.S. Patent
`No. 7,792,686 as follows:
`
`Claim 17
`
`“A computer implemented method for combining paymentof health care
`
`benefits with an associated explanation of benefits, the method comprising”
`
`is supported by the disclosure in column 1 lines 33-39;
`
`“receiving an explanation of benefits related to medical services
`
`provided by a health care provider;”
`is supported by the disclosure in column 2 lines 20-22:
`
`“receiving authorization to pay at least a portion of submitted charges
`
`associated with the explanation of benefits and the associated fundsfor
`
`payment;”
`is supportedbythe disclosure in column 2 lines 18-22;
`
`“funding a unique, stored-value card account with an amount equalto
`
`the adjudicated benefit payment by one or more computers;”
`is supported by the disclosure in column 2 lines 1-4:
`
`“merging the explanation of benefits with the stored-value card
`
`account number, the adjudicated benefit amountof payment, a card
`
`verification value code, and an expiration date in an electronic file by said
`
`one or more computers;”
`is supported by the disclosure in column 3 lines 18-22:
`
`“electronically sending the merged file to the health care provider as
`
`paymentfor the services by said one or more computers.”
`
`is supported by the disclosure in column2 lines 25-26 and 28-30.
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`Page 12 of 14
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`
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`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`17. Claim 18 is supported by the disclosure in column2 lines 32-34.
`
`Claim 18
`
`18. Claim 19 is supported by the disclosure in column 1 lines 64-67.
`
`Claim 19
`
`19. Claim 20 is supported by the disclosure in column 3 lines 22-25.
`
`Claim 20
`
`20. Claim 21 is supported by the disclosure in column2 lines 6-7.
`
`Claim 21
`
`21. The preamble and limitations of claim 22 are supported bythe disclosure of the U.S. Patent
`No. 7,792,686 as follows:
`
`Claim 22
`
`“A system for paymentof health care benefits to a health care provider, the
`
`system comprising:”
`is supported by the disclosure in column 1 lines 33-36:
`
`“an administration system operable to receive a benefit claim the
`
`health care provider and to generate an explanation of benefits for the
`
`benefit claim along with an approved payment;”
`is supported by the disclosure in column 3 lines 27-29 and 38:
`
`“a card processing system operable to fund a stored-value card
`
`account with an amountequal to the approved paymentby one or more
`
`computers, the card processing system also operable to merge the
`
`explanation of benefits with the stored-value card account numberby one or
`
`more computers, the adjudicated amount of payment, a card verification
`
`value code, and an expiration date in an electronic file and to send the
`
`electronicfile to the health care provider as paymentfor the benefit claim by
`
`one or more computers”
`
`is supported by thedisclosure in column 3 lines 16-24 and column2 lines 28-30.
`
`22.Claim 23 is supported by the disclosure in column 2 lines 32-34.
`
`Claim 23
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`Page 13 of 14
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`
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`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`23. Claim 24 is supported by the disclosure in column 1 lines 64-67.
`
`Claim 24
`
`24. Claim 25 is supported by the disclosure in column3 lines 22-25.
`
`Claim 25
`
`25. Claim 26 is supported by the disclosure in column2 lines 6-7.
`
`Claim 26
`
`26. Per Examiner’s suggestion, Applicant submits a Reissue Application Declaration by
`
`the Inventors concurrently with the present Supplemental AmendmentD in
`
`compliance with the 37 C.F.R. 1.175(a). To ensurefull compliance with this statutory
`
`requirement, Applicant used Form PTO/SB/51, which was duly executedby the sole
`
`inventor.
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`Dated: October 5, 2012
`
`Very respectfully,
`
`SMITH & HOPEN
`
`By:
`
`/andriy lytvyn/
`Andriy Lytvyn
`Reg. No. 65,166
`180 Pine Avenue North
`Oldsmar, Florida 34677
`(813) 925-8505 telephone
`(813) 925-8525 fax
`patents@smithhopen.com
`Attorneys for Applicant
`
`Page 14 of 14
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