Prosecution Insights
Last updated: April 17, 2026
Application No. 14/873,155

METHOD AND APPARATUS FOR TRANSACTION MANAGEMENT

Final Rejection §103
Filed
Oct 01, 2015
Examiner
FU, HAO
Art Unit
3695
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
unknown
OA Round
14 (Final)
50%
Grant Probability
Moderate
15-16
OA Rounds
3y 8m
To Grant
75%
With Interview

Examiner Intelligence

Grants 50% of resolved cases
50%
Career Allow Rate
268 granted / 535 resolved
-1.9% vs TC avg
Strong +25% interview lift
Without
With
+25.3%
Interview Lift
resolved cases with interview
Typical timeline
3y 8m
Avg Prosecution
41 currently pending
Career history
576
Total Applications
across all art units

Statute-Specific Performance

§101
32.9%
-7.1% vs TC avg
§103
42.0%
+2.0% vs TC avg
§102
6.7%
-33.3% vs TC avg
§112
8.3%
-31.7% vs TC avg
Black line = Tech Center average estimate • Based on career data from 535 resolved cases

Office Action

§103
DETAILED ACTION Notice of Pre-AIA or AIA Status The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA . This application has Provisional 62/058,533 filed on 10/01/2014. Status of Claims Claims 1 and 3-12 are currently pending and rejected. Claim 2 canceled. Claim Rejection – 35 U.S.C. 103 The following is a quotation of 35 U.S.C. 103 which forms the basis for all obviousness rejections set forth in this Office action: A patent for a claimed invention may not be obtained, notwithstanding that the claimed invention is not identically disclosed as set forth in section 102, if the differences between the claimed invention and the prior art are such that the claimed invention as a whole would have been obvious before the effective filing date of the claimed invention to a person having ordinary skill in the art to which the claimed invention pertains. Patentability shall not be negated by the manner in which the invention was made. Claim 1 and 3-12 is/are rejected under 35 U.S.C. 103 as being unpatentable over Flynn (Pub. No.: US 2015/0019352), in view of Pottjegort (Patent No.: US 9,865,005) and Benjamin (Pub. No.: US 2008/0091610) and Graylin et al. (Pub. No.: US 2010/0299212) and Lee et al. (Pub. No.: US 2015/0249872). As per claim 1, Flynn teaches a method of performing a financial transaction comprising: in a processing system (see paragraph 0008); a module of a system providing and first displaying an advertised offer of a product for purchase from a first party of the product for purchase and embedding and displaying the product and the advertised offer in a systemized area of a web page of a second party in a network environment (see paragraph 0010, 0021, and FIG. 2, advertisement offer from first party is displayed on “third-party content provider” website; the third-party content provider website in Flynn is the same as “a web page of a second party”; see FIG. 9 and FIG. 10, which clearly show a specific Nike shoe product, ad offering of the product, and a “Buy Now” button within the same frame; FIG 9 and FIG 10 are explained in paragraph 0053, “For example, the screen may provide information about the product, such as a shoe, a price, and a Buy Now button 130 to purchase the product”; the claim language does not restrict displaying a category first before showing actual product; the claim language merely says an advertised offer and the product are displayed on a webpage that is not operated by the merchant, and FIG. and FIG. 10 of Flynn clearly satisfies that); the system providing a URL that links to a selectable call-to-action, wherein the offering entity embeds the URL within the systemized area to enable a financial transaction to purchase the product when the selectable call-to-action is selected by any of a plurality of users visiting the web page of the second party (see paragraph 0008 and 0010, prior art allows user to “receive information about products and offers and purchase those offers without leaving the content provider’s website” and “collecting payment information within the defined advertising space on the webpage”; paragraph 0024 teaches “(2) Product Purchase – User buys a product through the website listing based on the advertiser’s description and terms, without leaving the page”; paragraph 0053 and Figure 9-10 further teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”; the Buy Now button is clearly a URL/link within a systemize area toe enable financial transaction to purchase the product), and wherein enabling the financial transaction does not require any modification of the web page by the second party (Examiner notes this limitation is written as a negative recitation; Flynn does not disclose modification of the web page by the second party, the content provider or webpage owner, is required; see paragraph 0008-0010 and 0021, in fact, the advertisements and payment transactions appeared to be managed by the system administrator who is not the content provider; see paragraph 0023, 0025, and 0027, it is even more clear that the content provider is not involved in selecting advertisement, which is actually selected based on user preference, or in processing payment transaction, which is managed by the system not owned by the content provider; advertisement matrix is inserted within a defined space on the content provider’s webpage; such insertion of advisements banners or icons is well-known in the computer art, and it is typically handled by the advertisement system with little to no input of the content provider); the system receiving an indication that the selectable call-to-action has been selected by at least one of the plurality of users (paragraph 0053 and Figure 9-10 teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”); the system performing the financial transaction when enabled by selection of the selectable call-to-action by the at least one user within the systemized area, and without navigating away from the web page in the network environment (see paragraph 0008 and 0010, prior art allows user to “receive information about products and offers and purchase those offers without leaving the content provider’s website” and “collecting payment information within the defined advertising space on the webpage”; paragraph 0024 teaches “(2) Product Purchase – User buys a product through the website listing based on the advertiser’s description and terms, without leaving the page”; paragraph 0053 and Figure 9-10 further teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”); the system confirming a completion of the financial transaction within the systemized area, wherein the completion of the financial transaction includes confirmation of completion of the purchase of the product associated with the offer (see paragraph 0027, “The exchange system can handle the payment directly, securely and privately and allow the user to easily track orders, payments, refunds and receipts…when a user purchases an item using the advertising system, a browser window for the exchange system opens within the advertising system to handle payment securely and privately without leaving the third-part content provider’s webpage”; the system can process payment and provide receipt/confirmation without leaving the webpage). Examiner further notes that Flynn does not explicitly teach wherein the first party is an offering entity; providing and displaying an advertised offer selected from a plurality of advertised offers from a first party of a product for purchase and embedding; and displaying the product and the advertised offer of each of the plurality of offers at a selected start time and end time for each offer in a systemized area of a web page of a second party in a network environment wherein the first party is independent of the second party, the system is independent of the first party and the second party, and wherein the systemized area of the web pages operates independently of the web page; and wherein the call-to-action is independent of the web page and independent of the offer. Pottjegort teaches wherein the first party is an offering entity; displaying the product and the advertised offer in a systemized area of a web page of a second party in a network environment wherein the first party is independent of the second party, the system is independent of the first party and the second party, and wherein the systemized area of the web pages operates independently of the web page (see FIG. 1 and 1 line 35-62, “Typically, rather than hosting advertisements directly on its server, the publisher will include links or elements (known as “ad-codes”) into the hypertext markup language (HTML) of webpage 120. The ad-codes will instruct users’ browsers to retrieve advertisements from ad-servers operated by advertisers or from ad-servers operated by third-party intermediaries, such as advertising network or brokers”; advertiser in the prior art is the first party who offers products, publisher is the second party who owns the web page that displays external advertisements, and third party advertising networks/brokers is the advertisement system that operates independently from the advertiser and the publisher; such arrangement is well-known prior art as suggested in Pottjegort’s background section; also see column 29 line 10-26). Benjamin teaches wherein the call-to-action is independent of the web page (see paragraph 0049-0050, 0096, and 0122, Benjamin teaches an admired party webpage that generates and displays customizable merchandise offerings on a location adjust to the content of the webpage, and allows viewers to purchase the customizable merchandise item without leaving the website; the transaction is handled by the integrated commerce engine, which appears to operate independently from the admired party; also see FIG 1, admired party and the commerce engine appear as separate). Graylin teaches providing and displaying an advertised offer selected from a plurality of advertised offers from a first party of a product for purchase and embedding (see paragraph 0013-0015, “The commerce application comprises a plurality of commerce offer managers and each commerce offer manager is associated with a specific merchant and comprises a commerce offer application that presents product offers for sale by the specific merchant…Each commerce offer manager further comprises an offer management application used to generate product offers by the specific merchant”; see paragraph 0021, “The commerce window product offers can be personalized and targeted, between the merchant and the consumer”; also see paragraph 0047, “Product offers can be customized by the merchants with the marketing campaign application 156 to target either a group of users, or a single user…In the case of one-to-one marketing, the more information is known about the target user/consumer, the more secure and relevant the product offers become”; prior art teaches targeted advertisement, which means relevant advertisement is selected from a plurality of advertised offers for presentation to the consumer); displaying the product and the advertised offer of each of the plurality of offers at a selected start time and end time for each offer (see paragraph 0014, “these discrete offers can be displayed and transacted upon…A specific mobile storefront application of a specific merchant is played with the mall application player in the consumer computing device and displays product offers from the specific merchants to the consumer computing device”; see paragraph 0048, “The commerce window player 120 displays offers from any merchant who wishes to present offers via the CWG”; also see paragraph 0050, “The start time and end time of the offer, SKU, price, description, max and min quantities, images are all specified and loaded into the PMCM software”); the system providing a URL that links to a selectable call-to-action, wherein the offering entity embeds the URL within the systemize area to enable financial transaction to purchase the product (see paragraph 0019 of Graylin teaches “Commerce Window can be embedded within a merchant’s own shopping application or in an advertisement in a third party’s application, such that when a consumer press a “Buy Now” button in the shopping application, or the advertisement, the rest of commerce transaction can take place securely via the commerce window”; paragraph 0050-0055 elaborate the Buy Now button; paragraph 0056 of Graylin further teaches “The presentation of the offer is done by a trusted 3rd party intermediary service (CWG) who assures the user that their merchant making the offer is legitimate, and not any random website or URL”; Graylin clearly teaches the system provides a URL associated with a Buy Now button within the systemize area toe enable purchase of a product, and the URL is provided by the offering entity and verified by the system) and wherein the call-to-action is independent of the web pages and independent of the offer (see paragraph 0019, “The ‘Commerce Window’ (CW) of the present application represents ‘eCommerce 2.0’ methodology, whereby an intermediary service or system is used to facilitate the order presentation, the gathering of consumer payment and related information, order parameters, and to complete the transaction on behalf of the merchant and the consumer”, “The Commerce Window intermediary service can be hosted by a third party”, “CW can embed the commerce transaction into any application or website on behalf of any merchant without leaving the application and redirecting the consumer to that merchant’ shopping site in order to complete a transaction”, and “Commerce Window can be embedded…in an advertisement in a third party’s application, such that when a consumer press a ‘Buy Now’ button in…the advertisement, the rest of commerce transaction can take place securely via the commerce window”; It is clear that the CW which contains the “Buy No” button or call-in-action, is independent of the third-party hosting application/website, and is also independent of the advertising merchant). It would have been obvious to one of ordinary skill in the art at the time of effective filing of the present application to modify Flynn with teaching from Pottjegort, Benjamin and Graylin to include wherein the first party is an offering entity; providing and displaying an advertised offer selected from a plurality of advertised offers from a first party of a product for purchase and embedding; displaying the product and the advertised offer of each of the plurality of offers at a selected start time and end time for each offer; displaying the product and the advertised offer in a systemized area of a web page of a second party in a network environment wherein the first party is independent of the second party, the system is independent of the first party and the second party, and wherein the systemized area of the web pages operates independently of the web page; and wherein the call-to-action is independent of the web page and independent of the offer. The modification would have been obvious, because it is merely applying a well-known arrangement (i.e., advertiser, publisher, and advertising broker being independent of each other) to a known method (i.e., allowing user to purchase products in advertisement without leaving the current page) ready to provide predictable result (i.e., allow third-party advertising broker to manage the advertisements being displayed on websites). Examiner further notes the combination of Flynn, Pottjegort, Benjamin, and Graylin does not explicitly teach the system reviewing a history of the at least one user and providing an optimized follow up offer after the successful transaction to the at least one user based on the history. Examiner argues that analyzing user history to select follow up advertisement offer after purchase is an old and well-known practice in advertisement art. Examiner cites Lee to support this argument. Lee teaches the system using a referral engine for reviewing a history of the at least one user and providing an optimized follow up offer from different offering entities after the successful transaction to the at least one user based on the history (see paragraph 0089, “the user’s purchases may be part of a gamification engine whereby the user may receive promotions. For example, the DUETI may know that the user has purchased tickets for two other concerts, so the DUETI may offer a particular promo specifically for the user…In an alternative embodiment, promotions may be presented after the purchase to indicate to the user that the user has a promotion available on their next purchase, purchase of a particular type, and/or the like”, promotion presented after purchase in Lee is the same as follow up offer after successful transaction; also see paragraph 0090, “The user may have a profile on the DUETI and the DUETI may be able to suggest other events that may interest the user based on the user’s profile in the DUETI…the user profile may provide for one-click purchasing of the item through the promotion and/or advertisement”, prior art also teaches analyzing user history/profile to optimize offer and provides one-click purchase feature to allow user to purchase the presented offers without navigating away from the web page), and wherein the optimized follow up offer is from a different offering entity (see paragraph 0051, “where no merchant selections have been made by a user, then multiple merchant databases may be searched and comparison prices and/or products may be retrieved and presented to the user”; also see paragraph 0089-0090, “include information collected about the user based on user purchases. This may further allow the DUETI to determine what future events the user may be interested in, as well as may determine certain promotions that may convince the user to click on certain links or may determine promotions that pique the user’s interest and may convince the user to purchase a certain item”, prior art teaches offering user promotions after the user has made purchase, and the prior art does not restrict the offering must come from the same merchant, and as such, the prior art covers the situation where the follow up offer is from different offering entity under the broadest reasonable interpretation). It would have been obvious to one of ordinary skill in the art at the time of effective filing of the present application to modify the combination of Flynn, Pottjegort, Benjamin and Graylin with teaching from Lee to include the system using a referral engine reviewing a history of the at least one user and providing an optimized follow up offer from different offering entities after the successful transaction to the at least one user based on the history, and wherein the optimized follow up offer is from a different offering entity. The modification would have been obvious, because it is merely applying a well-known technique (i.e., using user history to select targeted advertisement) to a known method (i.e., allowing user to purchase products in advertisement without leaving the current page) ready to provide predictable result (i.e., select advertisement that is relevant to user interest to increase the chance of user engagement). Claim 2. (Canceled) As per claim 3, Flynn teaches wherein the advertised offer is embedded within a social media account (see paragraph 0005 and 0052). As per claim 4, Flynn does not explicitly teach the advertised offer is embedded within an advertised offer displayed in an IFrame. Examiner notes however, Flynn does not explicitly teach using an Inline Frame (IFrame) script. Examiner points out is a conventional feature for HTML. Industry News (Industry News, Importance of IFRAMEs, Apr 17 2007, https://www.eukhost.com/blog/webhosting/importance-of-iframes/) teaches “Iframes, or inline frames, allow you to load html files into an existing document…now Internet Explorer 4+, Netscape 6+, Firefox, Mozilla, Opera and other modern browsers all support iframes”. Examiner argues that using IFrame script is well within the knowledge of one skilled in the art. To support this argument, Examiner cites Benjamin. Benjamin teaches using iFrame technology to provide instantly purchase of offered products through a single click mechanism (see paragraph 0054, 0056, 0117, and 0120). It would have been obvious to one of ordinary skill in the art at the time of effective filing of the present application to modify Flynn with teaching from Benjamin to include the advertised offer is embedded within an advertised offer displayed in an IFrame. The modification would have been obvious, because it is merely applying a known technique (i.e. iFrame technology) to a known method (i.e. allowing user to purchase products in advertisement without leaving the current page) ready to provide predictable result (i.e. use existing technology to prevent “click-through”). As per claim 5, Flynn teaches the advertised offer is embedded within an app and is an in-app operation (see paragraph 0015 and 0022). As per claim 6, Flynn teaches wherein the advertised offer is embedded within an e-mail (see paragraph 0013 and 0052). As per claim 7, Flynn teaches wherein the selectable call-to-action has defined start and end times (see paragraph 0051). As per claim 8, Flynn teaches wherein the selectable call-to-action is associated with an offer created by an offering entity (see paragraph 0020, “a consumer is presented with certain information relating a product offering sent by a particular merchant”; also see paragraph 0022 and 0029). As per claim 9, Flynn teaches wherein the selectable call-to-action includes a definition of the recipients of the call-to-action (see paragraph 0029, prior art teaches targeting advertisement, which means the advertisement icon along with the buy now icon are defined with the user as recipient). As per claim 10, Flynn teaches wherein the selectable call-to-action is invoked by an unregistered user and the selectable call-to-action initiates an automatic registration process of the unregistered user in the advertised offer (see paragraph 0027, prior art teaches if user is pre-registered, he/she can purchase offered products without leaving the third-party content provider’s webpage; it is implied that if the user is not pre-registered, he/she will be taken to a registration process; such feature is common in the field). As per claim 11, Flynn teaches a method of performing a financial transaction comprising: in a processing system (see paragraph 0008); using an Inline Frame (IFrame) scripting module to provide a URL that links to a selectable call-to-action to be embedded in an advertised and displayed offer of a product from a first party of the product for purchase associated with an offering entity in an Iframe of a web page of a second party (see paragraph 0010, 0021, and FIG. 2, advertisement offer from first party is displayed on “third-party content provider” website; the third-party content provider website in Flynn is the same as “a web page of a second party”; see FIG. 9 and FIG. 10, which clearly show a specific Nike shoe product, ad offering of the product, and a “Buy Now” button within the same frame; FIG 9 and FIG 10 are explained in paragraph 0053, “For example, the screen may provide information about the product, such as a shoe, a price, and a Buy Now button 130 to purchase the product”; the Buy Now button is clearly a URL/link within a systemize area toe enable financial transaction to purchase the product; the claim language does not restrict displaying a category first before showing actual product; the claim language merely says an advertised offer and the product are displayed on a webpage that is not operated by the merchant, and FIG. and FIG. 10 of Flynn clearly satisfies that); wherein the selectable call-to-action enables a financial transaction associated with the offer (see paragraph 0008 and 0010, prior art allows user to “receive information about products and offers and purchase those offers without leaving the content provider’s website” and “collecting payment information within the defined advertising space on the webpage”; paragraph 0024 teaches “(2) Product Purchase – User buys a product through the website listing based on the advertiser’s description and terms, without leaving the page”; paragraph 0053 and Figure 9-10 further teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”), and wherein enabling the financial transaction does not require any modification of the web page by the second party (Examiner notes this limitation is written as a negative recitation; Flynn does not disclose modification of the web page by the second party, the content provider or webpage owner, is required; see paragraph 0008-0010 and 0021, in fact, the advertisements and payment transactions appeared to be managed by the system administrator who is not the content provider; see paragraph 0023, 0025, and 0027, it is even more clear that the content provider is not involved in selecting advertisement, which is actually selected based on user preference, or in processing payment transaction, which is managed by the system not owned by the content provider; advertisement matrix is inserted within a defined space on the content provider’s webpage; such insertion of advisements banners or icons is well-known in the computer art, and it is typically handled by the advertisement system with little to no input of the content provider); using a communication module to embed the Iframe in a region of a the web page in a network environment for presentation to any of a plurality of users navigating to the web, and wherein the communication module provides communication between the processing system and the web page in the network environment, and wherein interaction between the processing system and the IFrame is accomplished without causing navigation away from the web page of the second party in the network environment (see paragraph 0008 and 0010, prior art allows user to “receive information about products and offers and purchase those offers without leaving the content provider’s website” and “collecting payment information within the defined advertising space on the webpage”; paragraph 0024 teaches “(2) Product Purchase – User buys a product through the website listing based on the advertiser’s description and terms, without leaving the page”; paragraph 0053 and Figure 9-10 further teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”); receiving in the communication module from the IFrame an indication that the selectable call-to-action has been selected by at least one of the plurality of users at the web page (paragraph 0053 and Figure 9-10 teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”); using a financial processing module to perform the financial transaction for the purchase of the product when enabled by selection of the selectable call-to-action by the at least one user (see paragraph 0008 and 0010, prior art allows user to “receive information about products and offers and purchase those offers without leaving the content provider’s website” and “collecting payment information within the defined advertising space on the webpage”; paragraph 0024 teaches “(2) Product Purchase – User buys a product through the website listing based on the advertiser’s description and terms, without leaving the page”; paragraph 0053 and Figure 9-10 further teach “a Buy Now button 130 to purchase the product” and “When the user clicks the Instant Buy button 130 in the example embodiment, the screen provides a purchase path for the user to follow as seen in FIG.11”); using the communication module to communicate confirmation of completion of the financial transaction for the purchase of the product to the Iframe and displaying in the IFrame the confirmation to the at least one user (see paragraph 0027, “The exchange system can handle the payment directly, securely and privately and allow the user to easily track orders, payments, refunds and receipts…when a user purchases an item using the advertising system, a browser window for the exchange system opens within the advertising system to handle payment securely and privately without leaving the third-part content provider’s webpage”; the system can process payment and provide receipt/confirmation without leaving the webpage). Examiner notes however, Flynn does not explicitly teach using an Inline Frame (IFrame) script. Examiner points out is a conventional feature for HTML. Industry News (Industry News, Importance of IFRAMEs, Apr 17 2007, https://www.eukhost.com/blog/webhosting/importance-of-iframes/) teaches “Iframes, or inline frames, allow you to load html files into an existing document…now Internet Explorer 4+, Netscape 6+, Firefox, Mozilla, Opera and other modern browsers all support iframes”. Examiner argues that using IFrame script is well within the knowledge of one skilled in the art. To support this argument, Examiner cites Benjamin. Benjamin teaches using an Inline Frame (IFrame) scripting module to provide a selectable call-to-action in an advertised and displayed offer of a product from a first party of the product for purchase associated with an offering entity in an Iframe of a web page of a second party (see paragraph 0054, 0056, 0117, and 0120 for iFrame technology; see paragraph 0009, 0042-0044, 0107-0109, 0111-0113, 0116, and 0120-0122 for displaying and a selectable call-to-action in an advertised and displayed offer of a product from a first party of the product for purchase associated with an offering entity in an Iframe of a web page of a second party) and wherein the call-to-action is independent of the web page (see paragraph 0049-0050, 0096, and 0122, Benjamin teaches an admired party webpage that generates and displays customizable merchandise offerings on a location adjust to the content of the webpage, and allows viewers to purchase the customizable merchandise item without leaving the website; the transaction is handled by the integrated commerce engine, which appears to operate independently from the admired party; also see FIG 1, admired party and the commerce engine appear as separate) Figure 5 of Benjamin clearly shows advertised offering for a merchandise (i.e. T-shirt, and the digital contents in the album are arguably offered products as well) on a webpage that is not operated by the merchant. Figure 11 shows a PAGE VIEW 1122 of an admired party/celebrity/blogger (i.e. a webpage that is not operated by merchant) which displays CUSTOMIZABLE MERCHANDISE ITEM 1130 (i.e. representation of an advertised offering of a product). Benjamin teaches an admired party webpage that generates and displays customizable merchandise offerings on a location adjust to the content of the webpage, and allows viewers to purchase the customizable merchandise item without leaving the website (see paragraph 0009, 0043, 0107-0109, and 0116, “A transaction of the customizable merchandise item 1130 may be processed while fully preserving the transaction in the location adjacent to the content data”; also see paragraph 0120). The advertised offering of the merchandises are displayed on the front page of the admired party webpage and do not require any additional navigation (see paragraph 0111-0113, “to customize and/or procure an offering and/or offerings through the custom media playlist 1128 and/or the customizable merchandise item 1130 of the publisher module…the publisher module 1104 may communicate with the distributor module 1102 to provide a fully embedded view of the custom media playlist 1128 and/or the customizable merchandise item 1130”; also see paragraph 0116, “A representation of a customizable merchandise item 1130 may be generated on a location adjacent to the content data 1126”; and see paragraph 0122, “to enable patron 1108 of FIG. 11 view and/or to provide information (e.g., detailed product specification, buyer information, credit card information, shipping and/or handling information, etc.) in a single browser window embedded in the mark-up language page, without leaving the mark-up language page of the publisher module 1104”). As such, the amended limitation, “providing and displaying an advertised offer from a first party of a product for purchase and embedding and displaying the product and the advertised offer in a systemized area of a web page of a second party in a network environment”, reads on Benjamin. It would have been obvious to one of ordinary skill in the art at the time of invention to modify Flynn with teaching from Benjamin to include using an Inline Frame (IFrame) scripting module to provide a selectable call-to-action in an advertised and displayed offer of a product from a first party of the product for purchase associated with an offering entity in an Iframe of a web page of a second party wherein the call-to-action is independent of the web page. The modification would have been obvious, because it is merely applying a known technique (i.e., iFrame technology) to a known method (i.e., allowing user to purchase products in advertisement without leaving the current page) ready to provide predictable result (i.e., use existing technology to prevent “click-through”). Examiner notes the combination of Flynn and Benjamin does not explicitly teach wherein the call-to-actin is independent of the web page and independent of the displayed offer; wherein the first party is independent of the second party, the system is independent of the first party and the second party, and wherein the Iframe is independent of the web page of the second party. Graylin teaches provide a selectable call-to-action in an advertised offer of a plurality of advertised offers from a first party for purchase of a displayed product (see paragraph 0013-0015, “The commerce application comprises a plurality of commerce offer managers and each commerce offer manager is associated with a specific merchant and comprises a commerce offer application that presents product offers for sale by the specific merchant…Each commerce offer manager further comprises an offer management application used to generate product offers by the specific merchant”; see paragraph 0021, “The commerce window product offers can be personalized and targeted, between the merchant and the consumer”; also see paragraph 0047, “Product offers can be customized by the merchants with the marketing campaign application 156 to target either a group of users, or a single user…In the case of one-to-one marketing, the more information is known about the target user/consumer, the more secure and relevant the product offers become”; prior art teaches targeted advertisement, which means relevant advertisement is selected from a plurality of advertised offers for presentation to the consumer); each of the plurality of advertised offers at a selected start time and end time for each off associated with an offering entity (see paragraph 0014, “these discrete offers can be displayed and transacted upon…A specific mobile storefront application of a specific merchant is played with the mall application player in the consumer computing device and displays product offers from the specific merchants to the consumer computing device”; see paragraph 0048, “The commerce window player 120 displays offers from any merchant who wishes to present offers via the CWG”; also see paragraph 0050, “The start time and end time of the offer, SKU, price, description, max and min quantities, images are all specified and loaded into the PMCM software”); Graylin teaches the system providing a URL that links to a selectable call-to-action, wherein the offering entity embeds the URL within the systemize area to enable financial transaction to purchase the product (see paragraph 0019 of Graylin teaches “Commerce Window can be embedded within a merchant’s own shopping application or in an advertisement in a third party’s application, such that when a consumer press a “Buy Now” button in the shopping application, or the advertisement, the rest of commerce transaction can take place securely via the commerce window”; paragraph 0050-0055 elaborate the Buy Now button; paragraph 0056 of Graylin further teaches “The presentation of the offer is done by a trusted 3rd party intermediary service (CWG) who assures the user that their merchant making the offer is legitimate, and not any random website or URL”; Graylin clearly teaches the system provides a URL associated with a Buy Now button within the systemize area toe enable purchase of a product, and the URL is provided by the offering entity and verified by the system) and wherein the call-to-action is independent of the web pages and independent of the offer (see paragraph 0019, “The ‘Commerce Window’ (CW) of the present application represents ‘eCommerce 2.0’ methodology, whereby an intermediary service or system is used to facilitate the order presentation, the gathering of consumer payment and related information, order parameters, and to complete the transaction on behalf of the merchant and the consumer”, “The Commerce Window intermediary service can be hosted by a third party”, “CW can embed the commerce transaction into any application or website on behalf of any merchant without leaving the application and redirecting the consumer to that merchant’ shopping site in order to complete a transaction”, and “Commerce Window can be embedded…in an advertisement in a third party’s application, such that when a consumer press a ‘Buy Now’ button in…the advertisement, the rest of commerce transaction can take place securely via the commerce window”; It is clear that the CW which contains the “Buy No” button or call-in-action, is independent of the third-party hosting application/website, and is also independent of the advertising merchant). Pottjegort teaches wherein the first party is independent of the second party, the system is independent of the first party and the second party (see FIG. 1 and 1 line 35-62, “Typically, rather than hosting advertisements directly on its server, the publisher will include links or elements (known as “ad-codes”) into the hypertext markup language (HTML) of webpage 120. The ad-codes will instruct users’ browsers to retrieve advertisements from ad-servers operated by advertisers or from ad-servers operated by third-party intermediaries, such as advertising network or brokers”; advertiser in the prior art is the first party who offers products, publisher is the second party who owns the web page that displays external advertisements, and third party advertising networks/brokers is the advertisement system that operates independently from the advertiser and the publisher; such arrangement is well-known prior art as suggested in Pottjegort’s background section; also see column 29 line 10-26), and wherein the Iframe is independent of the web page of the second party (see column 8 line 64 through column 9 line 4, “ad-code 755 may come in the form of an HTML tag”; column 1 line 35-62 teaches typically the ad-code instruction is controlled by third-party advertising broker; see column 17 line 22-57 for iFrame, for example). It would have been obvious to one of ordinary skill in the art at the time of effective filing of the present application to modify the combination Flynn and Benjamin with teaching from Graylin and Pottjegort to include provide a selectable call-to-action in an advertised offer of a plurality of advertised offers from a first party for purchase of a displayed product of each of the plurality of advertised offers at a selected start time and end time for each off associated with an offering entity; wherein the call-to-actin is independent of the web page and independent of the displayed offer; wherein the first party is independent of the second party, the system is independent of the first party and the second party, and wherein the Iframe is independent of the web page of the second party. The modification would have been obvious, because it is merely applying a well-known arrangement (i.e., advertiser, publisher, and advertising broker being independent of each other) to a known method (i.e., allowing user to purchase products in advertisement without leaving the current page) ready to provide predictable result (i.e., allow third-party advertising broker to manage the advertisements being displayed on websites). Examiner further notes the combination of Flynn, Pottjegort, Benjamin, and Graylin does not explicitly teach the system reviewing a history of the at least one user and providing an optimized follow up offer after the successful transaction to the at least one user based on the history. Examiner argues that analyzing user history to select follow up advertisement offer after purchase is an old and well-known practice in advertisement art. Examiner cites Lee to support this argument. Lee teaches the system using a referral engine for reviewing a history of the at least one user and providing an optimized follow up offer from different offering entities after the successful transaction to the at least one user based on the history (see paragraph 0089, “the user’s purchases may be part of a gamification engine whereby the user may receive promotions. For example, the DUETI may know that the user has purchased tickets for two other concerts, so the DUETI may offer a particular promo specifically for the user…In an alternative embodiment, promotions may be presented after the purchase to indicate to the user that the user has a promotion available on their next purchase, purchase of a particular type, and/or the like”, promotion presented after purchase in Lee is the same as follow up offer after successful transaction; also see paragraph 0090, “The user may have a profile on the DUETI and the DUETI may be able to suggest other events that may interest the user based on the user’s profile in the DUETI…the user profile may provide for one-click purchasing of the item through the promotion and/or advertisement”, prior art also teaches analyzing user history/profile to optimize offer and provides one-click purchase feature to allow user to purchase the presented offers without navigating away from the web page), and wherein the optimized follow up offer is from a different offering entity (see paragraph 0051, “where no merchant selections have been made by a user, then multiple merchant databases may be searched and comparison prices and/or products may be retrieved and presented to the user”; also see paragraph 0089-0090, “include information collected about the user based on user purchases. This may further allow the DUETI to determine what future events the user may be interested in, as well as may determine certain promotions that may convince the user to click on certain links or may determine promotions that pique the user’s interest and may convince the user to purchase a certain item”, prior art teaches offering user promotions after the user has made purchase, and the prior art does not restrict the offering must come from the same merchant, and as such, the prior art covers the situation where the follow up offer is from different offering entity under the broadest reasonable interpretation). It would have been obvious to one of ordinary skill in the art at the time of effective filing of the present application to modify the combination of Flynn, Pottjegort, Benjamin and Graylin with teaching from Lee to include the system using a referral engine reviewing a history of the at least one user and providing an optimized follow up offer from different offering entities after the successful transaction to the at least one user based on the history, and wherein the optimized follow up offer is from a different offering entity. The modification would have been obvious, because it is merely applying a well-known technique (i.e., using user history to select targeted advertisement) to a known method (i.e., allowing user to purchase products in advertisement without leaving the current page) ready to provide predictable result (i.e., select advertisement that is relevant to user interest to increase the chance of user engagement). Claim 12 is an apparatus version of claim 11, thus it is rejected for the same reasons. Response to Remarks Rejection under 35 U.S.C. 103 In Applicant’s amendment filed on 10/01/2025, Applicant amended independent claims 1, 11, and 12 by amending a limitation, “the system using a referral engine reviewing a history of the at least one user and providing an optimized follow up offer from different offering entities after the successful transaction to the at least one user based on the history, and wherein the optimized follow up offer is from a different offering entity”. Applicant argued that the cited prior arts do not teach this limitation. Examiner disagrees and argues that Lee et al. (Pub. No.: US 2015/0249872) teaches the amended limitation. Paragraph 0051 of Lee teaches, “where no merchant selections have been made by a user, then multiple merchant databases may be searched and comparison prices and/or products may be retrieved and presented to the user”. Paragraph 0089-0090 teach, “include information collected about the user based on user purchases. This may further allow the DUETI to determine what future events the user may be interested in, as well as may determine certain promotions that may convince the user to click on certain links or may determine promotions that pique the user’s interest and may convince the user to purchase a certain item”. Lee teaches offering user promotions after the user has made purchase, and the prior art does not restrict the offering must come from the same merchant, and as such, the prior art covers the situation where the follow up offer is from different offering entity under the broadest reasonable interpretation. Updated rejection is provided in this Office Action. Conclusion THIS ACTION IS MADE FINAL. Applicant is reminded of the extension of time policy as set forth in 37 CFR 1.136(a). A shortened statutory period for reply to this final action is set to expire THREE MONTHS from the mailing date of this action. In the event a first reply is filed within TWO MONTHS of the mailing date of this final action and the advisory action is not mailed until after the end of the THREE-MONTH shortened statutory period, then the shortened statutory period will expire on the date the advisory action is mailed, and any nonprovisional extension fee (37 CFR 1.17(a)) pursuant to 37 CFR 1.136(a) will be calculated from the mailing date of the advisory action. In no event, however, will the statutory period for reply expire later than SIX MONTHS from the mailing date of this final action. Any inquiry concerning this communication or earlier communications from the examiner should be directed to HAO FU whose telephone number is (571)270-3441. The examiner can normally be reached on 9:00 AM - 6:00 PM PST. Examiner interviews are available via telephone, in-person, and video conferencing using a USPTO supplied web-based collaboration tool. To schedule an interview, applicant is encouraged to use the USPTO Automated Interview Request (AIR) at http://www.uspto.gov/interviewpractice. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Christine Behncke can be reached on (571) 272-8103. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of an application may be obtained from the Patent Application Information Retrieval (PAIR) system. Status information for published applications may be obtained from either Private PAIR or Public PAIR. Status information for unpublished applications is available through Private PAIR only. For more information about the PAIR system, see https://ppair-my.uspto.gov/pair/PrivatePair. Should you have questions on access to the Private PAIR system, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative or access to the automated information system, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. /HAO FU/Primary Examiner, Art Unit 3697 OCT-2025
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Prosecution Timeline

Oct 01, 2015
Application Filed
Nov 14, 2017
Non-Final Rejection — §103
Feb 21, 2018
Response Filed
Jun 11, 2018
Final Rejection — §103
Sep 20, 2018
Interview Requested
Nov 08, 2018
Applicant Interview (Telephonic)
Nov 08, 2018
Applicant Interview
Dec 17, 2018
Request for Continued Examination
Dec 20, 2018
Response after Non-Final Action
Jun 04, 2019
Non-Final Rejection — §103
Aug 27, 2019
Interview Requested
Sep 04, 2019
Applicant Interview
Sep 04, 2019
Applicant Interview (Telephonic)
Sep 09, 2019
Response Filed
Oct 02, 2020
Final Rejection — §103
Jun 14, 2021
Request for Continued Examination
Jun 16, 2021
Response after Non-Final Action
Aug 02, 2021
Non-Final Rejection — §103
Sep 28, 2021
Response Filed
Oct 28, 2021
Final Rejection — §103
Nov 17, 2021
Interview Requested
Dec 07, 2021
Applicant Interview (Telephonic)
Dec 07, 2021
Examiner Interview Summary
Dec 14, 2021
Response after Non-Final Action
Dec 23, 2021
Response after Non-Final Action
Jan 03, 2022
Request for Continued Examination
Jan 12, 2022
Response after Non-Final Action
Jan 19, 2022
Non-Final Rejection — §103
Jul 25, 2022
Response Filed
Aug 19, 2022
Final Rejection — §103
Nov 07, 2022
Interview Requested
Nov 14, 2022
Examiner Interview Summary
Nov 14, 2022
Applicant Interview (Telephonic)
Nov 21, 2022
Request for Continued Examination
Nov 28, 2022
Response after Non-Final Action
Jan 17, 2023
Non-Final Rejection — §103
Jul 24, 2023
Response Filed
Aug 14, 2023
Final Rejection — §103
Aug 22, 2023
Interview Requested
Aug 30, 2023
Examiner Interview Summary
Aug 30, 2023
Applicant Interview (Telephonic)
Feb 19, 2024
Request for Continued Examination
Feb 21, 2024
Response after Non-Final Action
Feb 26, 2024
Non-Final Rejection — §103
Sep 03, 2024
Response Filed
Sep 20, 2024
Final Rejection — §103
Mar 24, 2025
Request for Continued Examination
Mar 25, 2025
Response after Non-Final Action
Mar 26, 2025
Non-Final Rejection — §103
Apr 23, 2025
Interview Requested
May 02, 2025
Examiner Interview Summary
May 02, 2025
Applicant Interview (Telephonic)
Oct 01, 2025
Response Filed
Oct 16, 2025
Final Rejection — §103 (current)

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Study what changed to get past this examiner. Based on 5 most recent grants.

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Prosecution Projections

15-16
Expected OA Rounds
50%
Grant Probability
75%
With Interview (+25.3%)
3y 8m
Median Time to Grant
High
PTA Risk
Based on 535 resolved cases by this examiner. Grant probability derived from career allow rate.

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