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PCT/IB2007/051947 25.06.2008 



PATENT COOPERATION TREATY 

From the 

INTERNATIONAL SEARCHING AUTHORITY 



To: 

HEATHER JUNE DONALD 
SPOOR & FISHER 
P.O. BOX 454 

PRETORIA, SOUTH AFRICA 0001 


PCT 

WRTTTFN OPINION OF THE 
INTERNATIONAL SEARCHING AUTHORITY 

(PCT Rule 43bisA) 


Date of mailing 9^ I11KI 911118 
(day/month/year) ^3 JUJM CUUO 


Applicant's or agent's file reference 
PA141964/PCT 


FOR FURTHER ACTION 

See paragraph 2 below 


International application No. 
PCT/IB07/51947 


International filing date (day/month/year) 
23 May 2007 (23.05.2007) 


Priority date (day/month/year) 
07 June 2006 (07.06.2006) 


International Patent Classification (IPC) or both national classification and IPC 

IPC: G06Q 40/00(2006.01) 
USPC: 705/4 


Applicant 

DISCOVERY HOLDINGS LIMITED 



1 . This opinion contains indications relating to the following items: 

Basis of the opinion 
Priority 

Non-establishment of opinion with regard to novelty, inventive step and industrial applicability 
Lack of unity of invention 

Reasoned statement under Rule 43bis. l(a)(i) with regard to novelty, inventive step or industrial 
applicability; citations and explanations supporting such statement 

Certain documents cited 

Certain defects in the international application 
Certain observations on the international application 

2. FURTHER ACTION 

If a demand for international preliminary examination is made, this opinion will be considered to be a written opinion of the 
International Preliminary Examining Authority (*TPEA") except that this does not apply where the applicant chooses an 
Authority other than this one to be the IPEA and the chosen IPEA has notified the International Bureau under Rule 66Abis(b) 
that written opinions of this International Searching Authority will not be so considered. 

If this opinion is, as provided above, considered to be a written opinion of the IPEA, the applicant is invited to submit to the 
EPEA a written reply together, where appropriate, with amendments, before the expiration of 3 months from the date of mailing 
of Form PCT/IS A/220 or before the expiration of 22 months from the priority date, whichever expires later. 

For further options, see Form PCT/ISA/220. 

3. For further details, see notes to Form PCT/ISA/220. 



I2SI 


Box No. I 


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Box No. II 


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Box No. Ill 


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Box No. IV 




Box No. V 


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Box No. VI 


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Box No. VII 


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Box No. VIII 



Name and mailing address of the ISA/ US 
Mail Stop PCT, Attn: ISA/US 
Commissioner for Patents 
P.O. Box 1450 

Alexandria, Virginia 22313-1450 
Facsimile No. (571) 273-3201 



Date of completion of this opinion 
09 June 2008 (09.06.2008) 



Authorized officer 
Robert W. Morgan 

Telephone No. (57 1 ) 272-3600 




Form PCT/ISA/237 (cover sheet) (April 2007) 



PCT/IB2007/051947 25.06.2008 



WRITTEN OPINION OF THE 
INTERNATIONAL SEARCHING AUTHORITY 


International application No. 
PCT/IB07/51947 


Box No. I Basis of this opinion 


1 . With regard to the language, this opinion has been established on the basis of: 




1^1 the international application in the language in which it was filed 




1 1 a translation of the international application into , which is the language of a translation furnished for the purposes of 
international search (Rules 1 2.3(a) and 23 . 1 (b)). 

2. This opinion has been established taking into account the rectification of an obvious mistake authorized by or notified to this 
Authority under Rule 91 (Rule 43£w.l(a)) 

3. With regard to any nucleotide and/or amino acid sequence disclosed in the international application, this opinion has been 
established on the basis of: 


a. type of material 




I | a sequence listing 




1 1 table(s) related to the sequence listing 




b. format of material 




1 1 on paper 




1 I in electronic form 




c: time of filing/furnishing 




I | contained in the international application as filed. 




I | filed together with the international application in electronic form. 




1 1 furnished subsequently to this Authority for the purposes of search. 




4. hi addition, in the case that more than one version or copy of a sequence listing and/or table(s) relating thereto has been filed 
or furnished, the required .statements that the information in the subsequent or additional copies is identical to that in the 
application as filed or does not go beyond the application as filed, as appropriate, were furnished. 


5. Additional comments: 





Form PCT/ISA/237(Box No. I) (April 2007) 



PCT/IB2007/051947 25.06.2008 



WRITTEN OPINION OF THE 
INTERNATIONAL SEARCHING AUTHORITY 



International application No. 
PCT/IB07/51947 



Box No. V Reasoned statement under Rule 43 bis.\(a)(i) with regard to novelty, inventive step or industrial 
applicability; citations and explanations supporting such statement 

1. Statement 



Novelty (N) 



Claims NONE 



Claims 1-8 



_YES 
NO 



Inventive step (IS) Claims NONE ; YES 

Claims MS NO 

Industrial applicability (IA) Claims US YES 

Claims NONE ' NO 



2. Citations and explanations: 

Claims 1-8 lack novelty under PCT Article 33(2) as being anticipated by U.S. Patent App. Pub. 2005/0256748 to Gore et al. 

As per claims 1-8, Gore et al. teaches a method of managing a life insurance policy where the life insurer receives a premium 
from an insured life and wherein if the insured life suffers an insured event, the life insurer pays a predetermined sum assured to the 
insured life or a beneficiary nominated by the insured life (see: paragraph 13). Gore et al. further teaches that Typical life insurance 
policies operate in that an insured life pays a premium to the life insurer and a payout is made to the insured life or their beneficiaries 
upon the insured life suffering a disability, contracting a dread disease or dying (see: paragraph 2). The payout on these contingencies is 
collectively termed as risk benefits (see: paragraph 2). Moreover, Gore et al. teaches an exemplary computer system 10 including a 
processor 12 (e.g., a central processing unit (CPU) a graphics processing unit (GPU) or both) and a memory 14 (see: paragraphs 79-80). 

Claims 1-8 meet the criteria set out in PCT Article 33(4), and thus have industrial applicability because the subject matter 
claimed can be made or used in industry. 



Form PCT/ISA/237 (Box No. V) (April 2007)