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 .
Status of Claims
This action is in reply to the amendment filed 10/07/2025.
Claims 1 and 11 have been amended. Claims 1-20 are pending and have been examined on the merits (claims 1 and 11 being independent).
The amendment filed 10/07/2025 to the claims has been entered.
Information Disclosure Statement
The information disclosure statements (IDS) submitted on 07/23/2025 and 10/29/2025 are in compliance with the provisions of 37 CFR 1.97. Accordingly, the information disclosure statement is being considered by the examiner.
Response to Arguments
Applicant’s arguments and amendments filed 10/07/2025 have been fully considered.
With respect to claim eligibility over 35 USC 101, the Examiner finds Applicant’s arguments are persuasive because it would appear that the additional limitations describe meaningful limitations beyond generally linking the use of an abstract idea to a particular technological environment and the amended independent claims 1 and 11 integrate the idea into a practical application as a technical improvement. As such, the claims are eligible with respect to 35 USC 101. For these reasons, independent claims 1 and 11 are deemed to be allowable over the 35 USC 101 rejection, and claims 2-10 and 12-20 are allowed by virtue of its dependency on an allowed claim. Therefore, the rejection under 35 USC 101 has been withdrawn.
Claim Rejections - 35 USC § 112
The following is a quotation of the first paragraph of 35 U.S.C. 112(a):
(a) IN GENERAL.—The specification shall contain a written description of the invention, and of the manner and process of making and using it, in such full, clear, concise, and exact terms as to enable any person skilled in the art to which it pertains, or with which it is most nearly connected, to make and use the same, and shall set forth the best mode contemplated by the inventor or joint inventor of carrying out the invention.
The following is a quotation of the first paragraph of pre-AIA 35 U.S.C. 112:
The specification shall contain a written description of the invention, and of the manner and process of making and using it, in such full, clear, concise, and exact terms as to enable any person skilled in the art to which it pertains, or with which it is most nearly connected, to make and use the same, and shall set forth the best mode contemplated by the inventor of carrying out his invention.
Claims 1-20 are rejected under 35 U.S.C. 112(a) or 35 U.S.C. 112 (pre-AIA ), first paragraph, as failing to comply with the written description requirement. The claim(s) contains subject matter which was not described in the specification in such a way as to reasonably convey to one skilled in the relevant art that the inventor or a joint inventor, or for applications subject to pre-AIA 35 U.S.C. 112, the inventor(s), at the time the application was filed, had possession of the claimed invention.
As the recited amendment in independent claims 1 and 11, “the distributed memory architecture stores data across the plurality of servers such that the data is accessible from a central location while reducing bottlenecks in network resources during the real-time payment transaction;”, the subject matter is not properly described in the application as filed. The recited amendment as highlighted above is not clear as to how the distributed memory architecture reduces bottlenecks in network resources during the real-time payment transaction because the claimed limitations are not described in the application with sufficient detail such that one skilled in the art can reasonably conclude that the inventor had possession of the claimed invention at the time of filing. And, also it is not described with sufficient detail beyond the claimed function being repeated in the written description.
Dependent claims (2-10 and 12-20) stand rejected also, under 35 U.S.C. 112(a) by virtue of their dependency on a rejected claim.
Conclusion
The prior art made of record but not relied upon herein but pertinent to Applicant’s disclosure is listed in the enclosed PTO-892.
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 extension fee 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 YONG S PARK whose telephone number is (571)272-8349. The examiner can normally be reached on M-F 9:00-5:00 PM, EST.
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If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Bennett M. Sigmond can be reached on (303)297-4411. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300.
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/YONGSIK PARK/Examiner, Art Unit 3694
December 23, 2025
/BENNETT M SIGMOND/Supervisory Patent Examiner, Art Unit 3694