You can’t patent a better way to prevent fraud. The board of appeals at the patent office just said so. You also can’t patent a better way to prevent abusive trading behaviors, or solve a tax examination issue or to verify information when you are trying to get a loan. These are just a few of the financial inventions that the board of appeals has said are nothing more than “abstract ideas”. That means they are not patentable no matter how innovative or beneficial they are.