IPO The application concerns a computerised system for linking loan application and debt recovery procedures. When a loan eg for a car is applied for, information on the applicant and the vehicle etc is stored on a database. That same information is then used to co-ordinate a debt recovery process carried out by a number of agents if the loan is in default. The system reduces the risk of data input errors and makes the recovery process more efficient.
The application was refused as a method for doing business and a program for a computer. The problem to be addressed was one of business efficiency and the advantages achieved were exactly the sort expected when a computer system is employed to do what was previously done manually.
Judges:
Mr A Bartlett
Citations:
[2004] UKIntelP o03004, O/030/04
Links:
Intellectual Property
Updated: 17 October 2022; Ref: scu.455859