Washington Mutual Patents the Bank Branch 291
ewhac writes "Okay, so it's not a bank branch per se, but a particular kind of bank branch -- one that has play areas for kids, serves coffee and popcorn, and has kiosks instead of teller windows. Washington Mutual has dubbed this branch design, "Occasio" (a generic Latin word meaning, "favorable opportunity," and which has probably been trademarked). The San Francisco Chronicle reports that it may be the first time the USPTO has awarded a patent for the design of a retail store/presence."
Yes, "Occasio" is trademarked (Score:5, Informative)
Re:Yes, "Occasio" is trademarked (Score:5, Informative)
Re:Yes, "Occasio" is trademarked (Score:2, Funny)
..excuse me... but this is stupid (Score:4, Funny)
Getting a patent for the idea of serving popcorn?
Are the movie theatres going to have to make payments to these people?
C'mon...a patent is supposed to be for inventing something serious and useful. This is not patent material by any stretch.
But since we're in the mood, let me be the first girl to patent the blow job. Yes, I invented it and it is now my intellectual property! So pay up. Credit card payments are billed to:
Christian Missionary Support Services, Inc.
This is no more absurd than putting a play pen in the corner of the store. Now, putting a play pen for senior executives who came up with this idea (or the Patent Office bozos who approved it), that would be a patentable idea.
Re:..excuse me... but this is stupid (Score:5, Funny)
Not so fast, not so fast.
As your local USPTO inspector, before I can grant you your patent, I really think you'd better be giving me a demonstration of this so called 'new invention' that you've come up with.
I need to be able to compare it with some of the sex acts that various other women are claiming as 'prior art'.
Present yourself at my office, first thing on Monday morning -- and bring a sturdy pair of kneepads.
a better example (Score:2)
Re:a better example (Score:4, Interesting)
"Apex"
"Camel"
"Gateway"
There is no shortage of "regular" words that are trademarks in certain industries.
LK
Re:a better example (Score:2)
Since when is environment patentable? (Score:5, Funny)
Ok, I'm going to file for my own patent. I'll call it "Geek Apartment" and it will consist of empty soda cans, dirty laundry, an unmade bed, and between 6 and 14 computers in various states of assembly (all running however).
There's your fair warning, soon you'll all be paying me royalties, or cleaning your apartments.
Re:Since when is environment patentable? (Score:5, Funny)
Finally, you have given us a reason to get off our collective asses and clean up that funny stuff that's been growing in the corner.
So I say, patent away! You'll be doing a favor for society.
Re:Since when is environment patentable? (Score:5, Funny)
The last time I tried to clean up the funny smell that's been growing in the corner, it beat me with a stick and made me feed it Doritos crumbs.
Re:Since when is environment patentable? (Score:4, Funny)
It's called a "wife"
Re:Since when is environment patentable? (Score:5, Funny)
However, I have a feeling that that won't stop the USPTO from awarding you your patent...
Re: (Score:3, Informative)
Re: (Score:2)
Re: (Score:3, Interesting)
Re:Since when is environment patentable? (Score:5, Insightful)
The environment became patentable when the US government was sold to the corporations through campaign contributions.
You and your vote don't matter to them anymore unless you've got the finances and clout to smack them with a serious lawsuit. Thanks to electronic voting which has no reliable paper trail, the embarassment of the Florida election recounts will be a thing of the past. Now they can just change the history records to ensure the talking head of choice has the presidency.
Looks like William Gibson was right about more than he should have been.
Wow. I'm honored. (Score:5, Insightful)
I know I must be hitting a few nerves when someone has to resort to implying I'm crazy rather than defend a situation. Oddly enough, my post history would seem to be that of a rational person.
I supppose I could have recently gone insane and not noticed.
I think it's more likely you're just willfully blind to the fact that America stopped being a real democracy quite some time ago. The vote is a sham to keep select people in a visible position of power, while the corp financing pretty much dictates what actually happens.
Got a stubborn senator or congressman? Just threaten to shut down that particular plant or office in their voting district, and you have approval. Presuming, of course, they didn't respond to offers of campaign contributions if they'd support a particular pet bill.
Or are you actually naive enough to think politicians are honest, or that they care about anything beyond the next election and their personal payback after they "retire" from office?
If they can help the people without risking a vote or financing, sure, it's good publicity. But when it comes down to their career or what's good for the citizens and the country, you don't matter. You are only one vote, and it's all about keeping the majority, not your particular vote.
Re:Wow. I'm honored. (Score:3, Insightful)
I know I must be hitting a few nerves when someone has to resort to implying I'm crazy rather than defend a situation.
Prone to illusion of persecution, specifically.
I think it's more likely you're just willfully blind to the fact that America stopped being a real democracy quite some time ago
America never was a 'real democracy', it founded as a 'republic' or ' representative democracy [wikipedia.org]'. In contrast with (what I take you to mean by) a 'real democracy', we choose representatives to act in 'our' interes
Physical design (Score:5, Interesting)
A retail layout is more like a device to increase sales, than a business method is.
Re:Physical design (Score:5, Funny)
By the way, I hope you are not infringing my patent on "poor taste furniture" covering such things such as the use of duct tape to cover broken springs.
Also, if you hang up your towels next to your shower, I'm going to sue.
Re:Physical design (Score:5, Insightful)
They even have a novel name for them..."ATM".
Re:Physical design (Score:4, Funny)
Dear Sir,
I note that the way you have laid out your work area including a play area for your child is my idea, as is the coffepot in the corner.
This is my intellectual property. If you do not remove the playpen and coffee pot you will be hearing from my laywers.
Good day.
KFG
Re: (Score:2)
Re:Physical design (Score:2)
Re:Physical design (Score:2)
That's is precisely why patents are given.
The unintended consequence is that shifty IP carpetbaggers and claimjumpers will apply for a patent on an existing ideas and technologies in order to extort undeserved licensing fees. They couch their patent application language in broad or vague terms to disguise their real targets, not that it seems to matter as the patent office examiners seem totally clu
The admit they ripped off the concept (Score:5, Interesting)
Re:They admit they ripped off the concept (Score:3, Insightful)
Oops. Time to go slice my wrists :-(
Re:Physical design (Score:5, Insightful)
We should instead be asking "Is this necisarry or benificial to society?". That is the whole purpose of patents - to provide individual incentive so that technology progesses quicker than it would otherwise. So ask yourself - did this invention require a large investment to discover that can only be recouped by granting a monopoly on it's use? No. I'm sure discovering the invention itself did not require any substantial investment. Implementing it will but those are normal business costs and don't need to be protected as everyone who implements this idea will have to pay them, not just the inventor.
Do the benifits of having the plans to this invention out in the open, as opposed to it being kept as a trade secret, overweight the detriment of having to wait 20 years to use those plans? No - this is a concept whose details are obvious once implemented and thus there is no chance for the inventor to hoard this idea as trade secret. In other words, the plan will be in the open regardless of whether it is patented or not, so it does not benifit society to wait 20 years for what it could have now.
Would the inventor still have invented this as quickly if patent system did not exist? Yes, and not only that but I am sure the bank would also have implemented the idea even if they couldn't patent it. This patent does nothing to benifit society so there is no reason that a sensible patent system should allow it.
Ahhhh (Score:3, Interesting)
Re:Ahhhh (Score:2, Insightful)
Re:Ahhhh (Score:2)
Well, I work in a bank (Credit Union) that has toys, coffee and kiosks.
I'm much less impressed with this than you are.
Wouldn't a copyright be more applicable... (Score:4, Interesting)
This is really getting ridiculous! (Score:2, Funny)
Patenting farting in the tub for those who can't afford a real hot tub?
Rerun (Score:2, Interesting)
Sad, really.
Re:Rerun (Score:2)
I hearby patent breakfast nook (Score:5, Insightful)
I was hoping to one day contract an architect to design a house that perfectly suited my family's needs. It would suck to have to get a patent attorney to check for prior art on my "invention".
Re:I hearby patent breakfast nook (Score:2)
A bank branch that's oriented toward providing coffee, child areas, etc, however, hasn't been done. I'll point to the fact no bank I know does this as proof.
Hence, unlike your ideas, WaMu came up with an actual original idea and patented.
OK, that makes sense to me.
Re:I hearby patent breakfast nook (Score:3, Insightful)
Re:I hearby patent breakfast nook (Score:2)
And, I believe architectural plans are copyright, not patent.
I just don't want hear about patent crap anymore.. (Score:2)
Re:I just don't want hear about patent crap anymor (Score:2)
The next step is to sue every McDonald's (Score:3, Insightful)
KFG
Perversion of IP (Score:5, Insightful)
Laugh it's funny (Score:5, Insightful)
Trade Dress (Score:5, Informative)
Canned? LMAO! (Score:2)
(OK, it was funny to *me*...)
Re:Trade Dress (Score:4, Interesting)
Re:Trade Dress (Score:2)
Plus, I'm
if you can patent this.. (Score:2, Insightful)
Re: (Score:2)
Prior Art (Score:2, Interesting)
Outta hand (Score:5, Funny)
A hundred years ago ... (Score:5, Insightful)
I wonder? (Score:2)
Branches (Score:3, Insightful)
I'm a fan of things like self-service checkout at the grocery store. I figure I can usually do what I need to do faster if I do it myself. For banks, this would be great if it means that they would be open later, or on Sundays. This bankers-hours crap is annoying.
I'm going to patent my bank branch idea (Score:2)
Well heck (Score:4, Funny)
Annoying (Score:2)
PRIOR ART (Score:2)
There's plenty of proof of this in just these friggin Google summaries [google.com].
Ack! (Score:2)
Re:Ack! (Score:4, Informative)
Are we surprised? (Score:5, Insightful)
So really, the fact that they'll patent anything under the sun should come as no real shock to anybody.
You want to fix the USPTO? Fix how they get funded.
Franchises (Score:2)
Unbelievable (Score:3, Funny)
NSF fees have increased to $500 coming and going, and customers will be required to provide five forms of picture ID to make a deposit. Interest on our SUPER-SOCCER-SUV-VALUE-PLUS-CD accounts is now a whopping ONE PERCENT (subject to Federal, State, Local and street-by-street taxes), and you get a free book of generic-bear-on-pastel checks!
Free checking is now only $20 a week, but you get two free deposits!*
*average balance of $15,000 required
Don't forget to ask about our interest-only mortgage where we own your house until your payments quadruple! Don't forget to finance a RIDING LAWN MOWER, DUMBASS!!! MAYBE IT CAN TOW A CAMPER!!!!
"Some people walk in, and they walk out. That's why we have a concierge there."
NO!! PLEASE DON'T LEAVE!!!
Sounds like a great idea. Confuse the customers, then PATENT IT.
The strategy behind the Occasio decor is not only to make banking fun, but also to make it more efficient.
Yeah? How about hiring more than three tellers so we don't have to order out for lunch AND dinner waiting to cash a check?
Latin meaning of "occasio" (Score:2, Interesting)
What about MacDonalds then? (Score:3, Insightful)
Great news for Martha Stewart (Score:2)
Prior Art (Score:5, Interesting)
They are a bank, and use electronic tellers (basically an electronic drive thru kiosk) for their tellers, cookies, coffee, lounge areas and toys.
The financial advisors are still at normal desks.
Having the money behind a pheumatic tube does not hurt the throughput any, and is a HUGE cost savings on insurance because there is NO MONEY a wood-be robber can grab. It's all in a locked room. Unless they have trained attack ferrets to go through the tubes... a guy with a gun is only going to get what's in the people's wallets.
The company that was pushing the kiosks came up with the ideas for the layout.
This bank is definately not the first one doing it, nor were they the first customers of the kiosk company.
So there is definately prior art...
Aside from that, the patent is stupid. Someone might make a case for an overall decor style (similar to the Aqua Mac thing, or the iMac format) but the physical placement of furniture and features of the lobby is not something that is inovative and it wasn't new when the patent was filed.
Who cares about this patent anyway? (Score:2, Interesting)
The only purpose of this patent, as far as I can see, is to show off to the investment community that "hey, we're developing IP assets, our st
And good luck trying to rob one of these branches! (Score:5, Interesting)
We had some clown try to stick up one of the branches here in Seattle and after he finally figured out that there just wasn't any money around to take, all he ever got was some heavy attention from the local constabulary who nabbed him down the road after he tried to hit up some other bank.
I'm guessing that the "unrobbability" is the pantentable part of all this, but I could be wrong. What do I know -- I don't explain'em, I just install'em. And from a geeks point of view, they are clean designs. And having a safe place to stash the rugrat for ten minutes ain't bad either, lemme tellya!
They're not even a mutual (Score:3, Informative)
There used to be a tax break for being a real mutual loan association, but that disappeared under Reagan, and most of the mutuals "privatized", screwing the depositors out of their equity ownership.
Washington Mutual is the suxx0rz... (Score:3, Informative)
A friend of mine used to bank at Washington Mutual for a long time. One day, he strolled into the bank and saw, to his horror, that instead of a traditional bank with teller windows and whatnot, there were these retarded kiosks scattered all over the place and rotated every which way.
The outcome of this "innovative" business practice? He immediately closed his accounts and took his money to Wells Fargo, where a bank still looks like a bank.
I wouldn't be surprised if a lot of other people had similar responses to this change. This is mostly for psychological reasons: When you go to Disney Land, you want the experience to be exciting. On the other hand, when you go to the bank, where you store your financial assets that you work hard to earn, you want the place to be as unexciting as it can be. Excitement means the bank is unstable and is going to lose your money, leaving you in the streets. Lack of excitement shows stability, maturity, confidence, and security. I believe this is what most people want when they choose a bank. Not a bunch of weird kiosks turned every which way.
A play area for children isn't a bad idea, because kids always get restless and start running around, causing all kinds of noise and whatnot.
Oh yeah, and one more rant on Washington Mutual. My mother had a bank account there. One day, she deposited a bunch of checks. The bank took the money, but did not increase her accounts. No matter how much proof she produced, they refused to credit her account, claiming that what she produced was not good enough proof. In effect, the bank had stolen her money: About 300 dollars of it. She closed her accounts there and went to a different bank. Ever since that event, and more so after my friend told me about the kiosks, I have been staying as far away from Washington Mutual as I can.
Patent Tax Strategy (Score:3, Interesting)
What is good about this is that we are now entering into the ludacris stage of the current fashion of patenting everything that walks - which means reform will be close at hand - or at least I hope.
My wife's ecommerce store [sammcgees.com] has a shopping cart that gives 5% discount if the customer just happens to be using a Mozilla browser. Maybe she should apply for a patent will she still can...
Re:What is new about this? (Score:2, Informative)
I am no fan of the USPTO, and think that some of their more recent patents have been ludicrous, but WaMu's patent is not what you are talking about. Did you even read the fucking article? (fuck acronyms)
Borders does not have a concierge (at least none of the one's I've been to). Neither does Waldenbook's, B. Dalton's, etc. Unless the register clerk counts, which they don't.
Yes, Borders has a coffee shop, but WaMu doesn't. S
Re:What is new about this? (Score:2, Insightful)
Re:What is new about this? (Score:3, Informative)
I'm sorry, but you don't understand what patents are for.
From the USPTO Website:
Re:What is new about this? (Score:2)
It's about increasing the profit margin by getting rid of people, who are expensive, and replacing them with things, which are cheap.
Anyway, it's actually about a fucking stupid patent office.
Re:What is new about this? (Score:2)
Or what about all the cotton-field workers who lost their jobs upon the creation of the Cotton Gin? (the first machine ever patented). Eli Whitney if I recall.
What about all the related people in the horse-carriage business who lost their jobs upon the creation and patenting of the combustion e
Re:What is new about this? (Score:2)
Proof by analogy is usually flowed. Yours is flawed moreso.
Re:What is new about this? (Score:3, Funny)
As far as patenting it goes, I'm not sure how I feel about that, but I must
Re:What is new about this? (Score:2)
Re:What is new about this? (Score:3, Informative)
--- and quote from parent poster ---
Well, I guess WalMart can sue them now. The bank's "concierge" is the same as WalMart's greeter, just with a frenchified title.
Re:What is new about this? (Score:2)
Re:What is new about this? (Score:2)
The USPTO is one of the accredited reviewing offices with WIPO (World Intellectual Property Organisation), so the bank can now apply for a patent in Canada and it's granting is expedited.
There's plenty of "prior art".
The concierge is the sa
Re:What is new about this? (Score:2, Informative)
You're right, but, in general, prior art anywhere in the world (subject to some limitations) can prevent the grant of a patent in the U.S., event hough U.S. doesn't have "jurisdiction" over patents and art elsewhere.
Re:What is new about this? (Score:2)
I did some research on banks and credit unions where I live (New York metro) and concluded that Washington Mutual and Greenpoint Bank offered the best value to a regular guy like myself. Almost every bank, except for the biggest few, beat my employer's credit union hands down. Washington Mutual and Greenpoint have some very
Re:what about apple? (Score:2)
I bet they will, now. Washington Mutual is just the trend-setter here. They are pretty proud [wamunewsroom.com] of the work they've done on this; it is a new thing for banks.
Re:Tech news? (Score:2)
Let's assume that after 10 years toiling away in your garage, you find out that sodium mixed with water is a good way to cure athlete's foot (hint: it's not). But somehow, you have made it so. Now, the actual process to make this miracle cur
Re:Tech news? (Score:2)
--- and from the sfgate article: ---
How is stealing the idea of a greeter from WalMart patentable? Oh, the bank is going to rename itself SCObank ...
B
Re: (Score:2)
Re:Tech news? (Score:2)
However, if I took a washing machine and, without any mechanical changes whatsoever, tried to patent it as a money-laundering machine, I would not have a valid patent :-)
Re:Tech news? (Score:2)
So, if I took a car wash, and used it to wash, say, trailers, without any mechanical differences in the device that was patented, I haven't created a new implementation. I've used the existing implementation of the patented device for a new purpose
Re:Tech news? (Score:2)
The good of humanity.. (Score:2, Interesting)
It is not true for ideas and inventions where the profits may or may not exist and are way off in the future - i.e. those based upon scientific research or artistic endeavors. That is why we have a different model to drive basic research. Believe me, if politicians didn't believe that funding NIH was the only way to cure cancer and prolong their own lives they would
Re:Tech news? (Score:3, Interesting)
Well obviously this is intended to encourage research by offering a reward for new ideas, and to give an incentive to companies to release trade secerts. The problem is that patents are awarded for rediculous things (like the layout of a bank). There is no benefit to humanity if 20 years everyone has access to the wonders of washington mutual bank layout. The laws need to be changed to red
Re:Yeah (Score:2)
I go into the bank occasionally to get rolls of quarters for doing laundry. Why we can't have ATMs that dispense the customer's selection of coins and bills I don't know. In the late 1970s I recall using ATMs in Japan that let you select the combination of bills that you wanted.
Re: (Score:2)
Re:Outsourcing for the fiduciary folks. (Score:2)
Basically, for those who are making self-righteous comments without having ever been into one of the banks, there are square counters spread around in the lobby at which a teller stands and the customer walks up to the other side. In other words, all the employees aren't behind a counter and window. The kids section is in a corner and has a GBA and other things. I've never personally been offered coffee or popcorn, but that may vary f
Re:Prior art (Score:2)