Create USPTO Patent Center Account

Go to patentcenter.uspto.gov and:

• • Click "Register" to create a free account
• • Verify your email address
• • Complete your profile with contact information
• • Set up two-factor authentication (required)

Download All Required Documents

Prepare your filing package:

• • Download CIP text document from CIP Patent Filing page
• • Download all 6 black & white SVG drawings from this page
• • Convert drawings to PNG or PDF format (USPTO requires image format)
• • Ensure drawings are high resolution (300+ DPI)

Log into Patent Center & Start New Application

In USPTO Patent Center:

• • Click "File a New Application"
• • Select "Utility Patent Application"
• • Click "Start Application"
• • In the application form, go to "Foreign Priority/Domestic Benefit" section
• • Click "Add Benefit Claim"
• • Select relationship type: "Continuation-in-Part (CIP)"
• • Enter parent application: 63/974,577
• • Enter parent filing date: February 3, 2026
• • Select Small Entity status (saves ~50% on fees)

Fill Out Application Data Sheet (ADS)

Complete required information:

• • Applicant name and address
• • Correspondence address (where USPTO will send notices)
• • Application type: CIP
• • Parent application number and filing date
• • Title: "AI-Powered Loan Matching and Personalization System"

Upload Specification Document

Upload your CIP text document:

• • Click "Add Document" in Patent Center
• • Select document type: "Specification"
• • Upload your CIP text document (PDF or DOCX)
• • Verify document uploads correctly

Upload Patent Drawings

Upload all 6 technical drawings:

• • Click "Add Document" → "Drawings"
• • Upload Figure 1: AI Loan Matching System Architecture
• • Upload Figure 2: Dynamic Term Optimization Flowchart
• • Upload Figure 3: Monthly Payment Calculator
• • Upload Figure 4: Personalized Offer Generation Pipeline
• • Upload Figure 5: System Architecture Overview
• • Upload Figure 6: Aggregated Revenue Display
• • Ensure each drawing is labeled correctly (Fig. 1, Fig. 2, etc.)

Upload Claims & Abstract

These should be in your CIP document:

• • Claims are automatically extracted from specification
• • Abstract is automatically extracted
• • Review and verify both sections are correct

Pay USPTO Filing Fees

Current fees (Small Entity rates):

• • Basic filing fee: $100
• • Search fee: $300
• • Examination fee: $360
• • Total: ~$760 (small entity)
• • Pay via credit card or USPTO deposit account

CRITICAL: Do Not Deploy Before Filing

Do NOT make these features public until you click "Submit" and receive confirmation. Public disclosure before filing creates prior art that can invalidate your patent.

Review & Submit Application

Final steps before submission:

• • Review all uploaded documents
• • Verify parent application is correctly linked
• • Check all fees are paid
• • Click "Review & Submit"
• • Electronically sign the application
• • Click "Submit Application"

Receive Filing Confirmation

USPTO will provide:

• • Immediate confirmation number
• • New application number (within minutes)
• • Official filing date
• • Filing receipt via email (within 1-2 weeks)
• • Save all confirmation emails and numbers!

Deploy Features & Mark "Patent Pending"

Once filed, you can:

• • ✅ Launch all new features publicly
• • ✅ Show estimated rates and monthly payments
• • ✅ Display personalized loan offers
• • ✅ Add "Patent Pending" to your website/app
• • ✅ Market your innovative technology

Monitor Application Status

Track progress in Patent Center:

• • Log into Patent Center regularly
• • Check "My Applications" dashboard
• • Expect first office action in 12-18 months
• • USPTO will email you about any actions needed
• • Respond to office actions within deadlines (usually 3 months)