In fact, claim 4 does not recite any technological element (e.g., a computer or electrical sensors), but rather recites only method steps that can be completed by a person.
Indeed, a person can generate an insured profile by writing down on a paper the value of the 7 Case CBM2012-00004 Patent 6,064,970 vehicle, insurance coverage limits, and deductibles, before a passenger monitors the vehicle ...
... ’970 10 Case CBM2012-00004 Patent 6,064,970 patent teaches that conventional insurance cost determination methods involve generating an insured profile for the vehicle operator by gathering relevant historical data from a personal ...
) Each driver has a personalized ERA that maintains 13 Case CBM2012-00004 Patent 6,064,970 information that identifies the driver and a record of the driver’s driving history and performance.
) According to the Florida Guide, all drivers in the state of Florida must carry a minimum amount of property damage liability coverage in addition to the required personal injury protection coverage.
... claim is unpatentable under 35 U.S.C. § 103(a) if the differences between the claimed subject matter and the prior art are such that the subject matter as a whole would have been obvious at the time the invention was made to a person ...
... but not limited to, a cost to the insured and/or insurer/underwriter associated with the insurance Safety standard (claims 5, 10-11, 13-14, 16-18) Value/criteria associated with the promotion of safety/prevention of risk/loss/injury ...
Hence, a person of ordinary skill in the art would have appreciated that when a vehicle operator is applying for an insurance policy from an insurance company, an insured profile for the vehicle operator would be generated to determine a base ...