Prosecution Insights
Last updated: April 19, 2026
Application No. 17/557,466

SYSTEMS AND METHODS FOR INCREASED EFFICIENCY AND RELIABILITY OF CONTACTLESS CARD TRANSACTIONS

Non-Final OA §101§103
Filed
Dec 21, 2021
Examiner
OYEBISI, OJO O
Art Unit
3695
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Capital One Services LLC
OA Round
5 (Non-Final)
50%
Grant Probability
Moderate
5-6
OA Rounds
4y 1m
To Grant
61%
With Interview

Examiner Intelligence

Grants 50% of resolved cases
50%
Career Allow Rate
356 granted / 711 resolved
-1.9% vs TC avg
Moderate +11% lift
Without
With
+11.3%
Interview Lift
resolved cases with interview
Typical timeline
4y 1m
Avg Prosecution
38 currently pending
Career history
749
Total Applications
across all art units

Statute-Specific Performance

§101
46.0%
+6.0% vs TC avg
§103
19.5%
-20.5% vs TC avg
§102
15.3%
-24.7% vs TC avg
§112
9.2%
-30.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 711 resolved cases

Office Action

§101 §103
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 . Continued Examination Under 37 CFR 1.114 A request for continued examination under 37 CFR 1.114, including the fee set forth in 37 CFR 1.17(e), was filed in this application after final rejection. Since this application is eligible for continued examination under 37 CFR 1.114, and the fee set forth in 37 CFR 1.17(e) has been timely paid, the finality of the previous Office action has been withdrawn pursuant to 37 CFR 1.114. Applicant's submission filed on 02/04/25 has been entered. Claim Rejections - 35 USC §101 1. 35 U.S.C. 101 reads as follows: Whoever invents or discovers any new and useful process, machine, manufacture, or composition of matter, or any new and useful improvement thereof, may obtain a patent therefor, subject to the conditions and requirements of this title. 2. Claims 21-30, 32-40 are rejected under 35 U.S.C. 101 because the claimed invention is directed to non-statutory subject matter. Subject Matter Eligibility Standard 3. The examiner contends that, under the judicial exceptions enumerated in the MPEP § 2106, to determine the patent-eligibility of an application, a two- part analysis has to be conducted. Part 1: it must be determined whether the claim is directed to one of the four statutory categories of invention, i.e., process, machine, manufacture, or composition of matter. See MPEP 2106.03. Part 2A: Prong 1: (1) Determine if the claims are directed to an abstract idea or one of the judicial exceptions. Examples of abstract ideas referenced in Alice Corp. include: 1. Certain method of organizing human activity such as Fundamental Economic Practices, Commercial and Legal Interactions, or Managing Personal Behavior or Relationships or Interactions Between People. 2. A mental process. 3. Mathematical relationships/formulas. Part 2A: Prong 2: determine if the claim as a whole integrates the judicial exception into a practical application. Part 2B: determine if the claim provides an inventive concept. Analysis 4. Under Step 1 of the analysis, it is found that the claim indeed recites a series of steps and therefore, is a process - one of the statutory categories. Under Step 2A (Prong 1), using claim 21 as the representative claim, it is determined that apart from generic hardware and extra-solution activity discussed in Step 2A, Prong 2 below, the claim as a whole recites a method of organizing human activity. For instance, the claim language “preserve…the most recent data operation from the one or more data operations; retrieve…the most recent data operation from the state machine; resume…the transaction at a step following the most recent data operation from the retrieved one or more data operations…; complete the transaction based at least in part on the one or more data operations…” is a fundamental economic practice. Fundamental economic practices fall into the category of certain methods of organizing human activity. Thus, the claim recites a judicial exception, i.e., an abstract idea. Under Step 2A (Prong 2), the examiner contends that the claim recites a combination of additional elements including “record one or more data operations performed by the client device, the client device including a display, a memory and processor” These additional elements, considered in the context of claim 1 as a whole, do not integrate the abstract idea into a practical application because they simply recite the steps of processing and storing data using a generic computer system. In other words, these additional limitations are recited functionally without technical or technological details on how, i.e., by what algorithm or on what basis/method, the client device, a memory and processor are caused to perform these steps. The client device, a memory and processor, with their already available basic functions, are simply being applied to the abstract idea and being used as tools in executing the claimed process. Further, the additional limitation can be reasonably characterized as reciting a patent-ineligible insignificant extra-solution activity. For instance, the steps of “record one or more data operations performed by the client device,” when considered as a whole, is a mere data gathering step considered to be insignificant extra-solution activity. See In re Bilski, 545 F.3d at 963 (characterizing data gathering steps as insignificant extra-solution activity). Further, wherein the processor is further configured to display…a communication status of the client device prior to authorizing the transaction” is recited to further narrow the scope of the abstract idea. Thus, it is determined that claim 21 is not directed to a specific asserted improvement in computer technology or otherwise integrated into a practical application and thus is directed to a judicial exception. Under Step 2B, it is determined that, taken alone, the additional elements in the claim amounts to no more than mere instructions to apply the exception using a generic computer processor— that is, mere instructions to apply a generic computer processor to the abstract idea. The only hardware or additional elements beyond the abstract idea of claim 1 are the generically recited “client device; a memory and processor.” The specification does not point to sufficient evidence that any of these components are anything other than well-understood, routine, and conventional hardware components or systems being used in their ordinary manner. The specification substantiates this, for instance at paras 00028-00302. Thus, applying an exception using a generic computer processor cannot integrate a judicial exception into a practical application or provide an inventive concept. And looking at the limitations as an ordered combination of elements add nothing that is not already present when looking at the elements taken individually. There is no indication that the combination of elements improves the functioning of a computer or improves any other technology. Accordingly, the examiner concludes that there are no meaningful limitations in the claim that transform the judicial exception into a patent eligible application such that the claim amounts to significantly more than the judicial exception itself. The examiner contends that the ‘novelty’ of any element or steps in a process, or even of the process itself, is of no relevance in determining whether the subject matter of a claim falls within the § 101 categories of possibly patentable subject matter.” Diamond v. Diehr, 450 U.S. 175, 188— 89 (1981).” A novel and nonobvious claim directed to a purely abstract idea is, nonetheless, patent ineligible. See Mayo, 566 U.S. at 90.” Specifically, an improvement to an abstract idea cannot be a basis for determining that the claim recites significantly more than an abstract idea. Furthermore, relying on a “processor” to “perform routine tasks more quickly or more accurately is insufficient to render a claim patent eligible.” OJP Techs., Inc. v. Amazon.com, Inc., 7788 F.3d 1359, 1363 (Fed. Cir. 2015). Accordingly, the examiner concludes that the claim does not recite additional elements that amount to significantly more than the judicial exception within the meaning of the 2019 Guidance. Note: The analysis above applies to all statutory categories of invention. As such, the independent claims otherwise styled as a computer-readable medium encoded to perform specific tasks, machine or manufacture, for example, would be subject to the same analysis. Furthermore, the limitations in the dependent claims are thus subject to the same analysis as in claim 21 and are rejected using the same rationale as in claim 21 above. More specifically, dependent claims 23-30, 33-36, 39-40 do not recite additional elements but merely further narrow the scope of the abstract idea. However, dependent claims 22, 37 recites additional elements, but these additional elements comprise the analyses of data, which is nothing but the automation of mental tasks. See Benson, Bancorp and Cyberphone. Also see Electric Power, 830 F.3d at 1354 (“[W]e have treated analyzing information by steps people go through in their minds, or by mathematical algorithms, without more, as essentially mental processes”). Claim Rejections - 35 USC § 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(s) 21-30, 32-40 are rejected under 35 U.S.C. 103 as being unpatentable over Hammad et al (Fine et al, Fine hereinafter, US PAT: 2016/0142174) in view of Takeuchi (US PUB: 2017/0083728). Re claim 21. Fine discloses a transaction authorization system, comprising: a processor; and a memory containing a state machine, wherein, after initiation of a transaction involving a client device and a transmitting device a contactless card, the processor is configured to engage the state machine to (see fig.3, paras 0005, 0043, 0073): record one or more data operations performed by the client device (see paras 0050, 0060,0088), the client device including a display, preserve, upon a disruption of transaction communication between the client device and the transmitting device contactless card, the most recent data operation from the one or more data operations (see paras 0010, 0109), retrieve, upon a resumption of the transaction communication between the client device and the transmitting device contactless card (see paras 0056, 0061), complete the transaction based at least in part on the one or more data operations performed by the client device (see paras 0099-0100). Fine does not explicitly disclose the most recent data operation from the state machine, resume, upon the resumption of the transaction communication, the transaction at a step following the most recent data operation from the retrieved one or more data operations performed by the client device, and wherein the processor is further configured to display, via a user interface of the client device in data communication with the processor, a communication status of the client device prior to authorizing the transaction. Takeuchi makes this disclosure (see paras 0010, 0094, 0147, 0152-0154, 0162-0164 and figs.2, 8, 10). It would have been obvious to one of ordinary skill in the art to include in the mobile device and communications of Fine, the NFC communications aspects of Takeuchi since the claimed invention is merely a combination of old elements, and in the combination each element merely would have performed the same function as it did separately, and one of ordinary skill in the art would have recognized that the results of the combination were predictable. Both relate to communication devices, device interactions and communications operations, with the motivation being to enhance processing instructions within NFC communications. (see Takeuchi "[0003], [0010] - [0012]). Re claim 22. Fine discloses the transaction authorization system of claim 21, wherein the processor is further configured to display, via the user interface, a prompt identifying an occurrence of the disruption and an indication of a read status of the client device prior to displaying the prompt (see fig.5 element 505, see the abstract, see paras 0086-0087). Re claim 23. Fine discloses the transaction authorization system of claim 22, wherein the disruption comprises an exit of a contactless card from a communication field generated by the client device (see para 0080). Re claim 24. Fine discloses the transaction authorization system of claim 23, wherein the disruption is resolved when the contactless card re-enters the communication field (see paras 0069). Re claim 25. Fine discloses the transaction authorization system of claim 22, wherein the disruption comprises signal interference (see the abstract). Re claim 26. Fine discloses the transaction authorization system of claim 22, wherein the disruption comprises at least one disruption selected from a group of signal blocking and signal jamming (see paras 0081-0082). Re claim 27. Fine does not explicitly disclose the transaction authorization system of claim 21, wherein the state machine is configured to resume the transaction a predetermined number of times prior to display, via the user interface, of a failure message. Takeuchi makes this disclosure (see paras 0010, 0094, 0147, 0152-0154, 0162-0164 and figs.2, 8, 10). It would have been obvious to one of ordinary skill in the art to include in the mobile device and communications of Fine, the NFC communications aspects of Takeuchi since the claimed invention is merely a combination of old elements, and in the combination each element merely would have performed the same function as it did separately, and one of ordinary skill in the art would have recognized that the results of the combination were predictable. Both relate to communication devices, device interactions and communications operations, with the motivation being to enhance processing instructions within NFC communications. (see Takeuchi "[0003], [0010] - [0012]). Re claim 28. Fine discloses the transaction authorization system of claim 27, wherein the failure message comprises a prompt for a user to take an action (see the abstract). Re claim 29. Fine discloses the transaction authorization system of claim 28, wherein the action comprises positioning the contactless card within the communication field (see the abstract). Re claim 30. Fine does not explicitly disclose the transaction authorization system of claim 29, wherein the state machine is configured to resume the transaction after the contactless card is positioned within the communication field. Takeuchi makes this disclosure (see paras 0010, 0094, 0147, 0152-0154, 0162-0164 and figs.2, 8, 10). It would have been obvious to one of ordinary skill in the art to include in the mobile device and communications of Fine, the NFC communications aspects of Takeuchi since the claimed invention is merely a combination of old elements, and in the combination each element merely would have performed the same function as it did separately, and one of ordinary skill in the art would have recognized that the results of the combination were predictable. Both relate to communication devices, device interactions and communications operations, with the motivation being to enhance processing instructions within NFC communications (see Takeuchi "[0003], [0010] - [0012]). Re claim 32. Claim 32 recites similar limitations to claim 21 and thus rejected using the same art and rationale as in claim 21, above. Re claim 33. Claim 33 recites similar limitations to claim 23 and thus rejected using the same art and rationale as in claim 23, above. Re claim 34. Fine discloses the transaction authorization method of claim 32, wherein the disruption comprises a blockage inhibiting communication by a contactless card and the client device (see paras 0081-0082). Re claim 35. Fine discloses the transaction authorization method of claim 32, wherein: the one or more data operations comprise data reads performed by the client device, and the state machine continually records data reads performed by the client device in connection with the transaction (see paras 0050, 0060,0088). Re claim 36. Fine discloses the transaction authorization method of claim 35, wherein: the one or more data operations further comprise data writes performed by the client device, and the state machine further continually records data writes performed by the client device in connection with the transaction (see paras 0050, 0060,0088). Re claim 37. Fine discloses the transaction authorization method of claim 32, further comprising, prior to commencing the transaction, initiating, by the contactless card, the transaction by via one or more gestures within the communication field (see paras 0029, 0043). Re claim 37. Claim 37 recites similar limitations to claim 21 and thus rejected using the same art and rationale as in claim 21, above. Re claim 39. Claim 39 recites similar limitations to claim 23 and thus rejected using the same art and rationale as in claim 23, above. Re claim 40. Claim 40 recites similar limitations to claim 24 and thus rejected using the same art and rationale as in claim 24, above. Response to Arguments Applicant’s arguments with respect to claim(s) 21-30, 32-40 have been considered but are moot because the new ground of rejection does not rely on any reference applied in the prior rejection of record for any teaching or matter specifically challenged in the argument. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to OJO O OYEBISI whose telephone number is (571)272-8298. The examiner can normally be reached on Monday-Friday, 9am-7pm. 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 at 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. /OJO O OYEBISI/Primary Examiner, Art Unit 3695
Read full office action

Prosecution Timeline

Dec 21, 2021
Application Filed
Dec 05, 2023
Non-Final Rejection — §101, §103
May 13, 2024
Response Filed
Aug 27, 2024
Final Rejection — §101, §103
Dec 02, 2024
Response after Non-Final Action
Dec 10, 2024
Interview Requested
Dec 17, 2024
Examiner Interview Summary
Dec 17, 2024
Applicant Interview (Telephonic)
Dec 26, 2024
Request for Continued Examination
Jan 03, 2025
Response after Non-Final Action
Feb 10, 2025
Non-Final Rejection — §101, §103
May 07, 2025
Interview Requested
May 13, 2025
Examiner Interview Summary
May 13, 2025
Response Filed
May 13, 2025
Applicant Interview (Telephonic)
Sep 08, 2025
Final Rejection — §101, §103
Oct 21, 2025
Interview Requested
Oct 27, 2025
Applicant Interview (Telephonic)
Oct 28, 2025
Examiner Interview Summary
Dec 05, 2025
Response after Non-Final Action
Feb 04, 2026
Request for Continued Examination
Feb 25, 2026
Response after Non-Final Action
Mar 06, 2026
Non-Final Rejection — §101, §103
Apr 02, 2026
Interview Requested

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

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Prosecution Projections

5-6
Expected OA Rounds
50%
Grant Probability
61%
With Interview (+11.3%)
4y 1m
Median Time to Grant
High
PTA Risk
Based on 711 resolved cases by this examiner. Grant probability derived from career allow rate.

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