Patent decision

BL number

O/145/03

Concerning rights in

GB0030707.4 (GB2366412)

Hearing Officer

Mr A Bartlett

Decision date

29 May 2003

Person(s) or Company(s) involved

Accucard Limited

Provisions discussed

PA 1977 section 1(2)(c).

Keywords

Excluded fields (refused)

Related Decisions

None

Summary

The application relates to a method and system for allowing a user to buy personalised financial products on the internet. A user interface is provided which includes a number of interdependent controls, each corresponding to a cost-benefit parameter relating to the product (e.g. APR or annual fee). The minimum and maximum possible parameter values, and the way in which changing one parameter has a knock-on effect on another parameter, are determined based on the expected profitability of the customer to the product provider. Within these limitations, the customer can set the control settings to adjust the characteristics of the product to meet his needs, being assured that any combination he chooses is acceptable to the provider. The customer can then accept the financial product of his choosing using the user interface, and the personalised financial product is duly created.

Held not to make any technical contribution and to be excluded as a method of doing business and a program for a computer.

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