Claimed Subject Matter:
The scheme was found to differ from notorious common knowledge in commerce only by being adapted to modern technology in the form of electronic (e-) commerce and presenting a copy of a contract to a bank as evidence that payment is due.
Partial problems were considered. The first problem was deemed to be how to implement a business scheme on a computer network. It was found to be obvious as it simply involved applying well-known technical means as equivalents of a manual paper process. The second problem was found to be purely a business or legal question, and so features relating to its solution could not contribute to the technical character of the claim.