Prosecution Insights
Last updated: April 19, 2026
Application No. 18/105,365

RECONCILIATION OF INDIRECTLY EXECUTED EXCHANGES OF DATA USING PERMISSIONED DISTRIBUTED LEDGERS

Final Rejection §DP
Filed
Feb 03, 2023
Examiner
LEE, CLAY C
Art Unit
3699
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
The Toronto-Dominion Bank
OA Round
5 (Final)
54%
Grant Probability
Moderate
6-7
OA Rounds
4y 1m
To Grant
99%
With Interview

Examiner Intelligence

Grants 54% of resolved cases
54%
Career Allow Rate
117 granted / 216 resolved
+2.2% vs TC avg
Strong +57% interview lift
Without
With
+57.1%
Interview Lift
resolved cases with interview
Typical timeline
4y 1m
Avg Prosecution
60 currently pending
Career history
276
Total Applications
across all art units

Statute-Specific Performance

§101
32.7%
-7.3% vs TC avg
§103
45.9%
+5.9% vs TC avg
§102
8.2%
-31.8% vs TC avg
§112
10.5%
-29.5% vs TC avg
Black line = Tech Center average estimate • Based on career data from 216 resolved cases

Office Action

§DP
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 . Response to Amendment The amendment filed November 12, 2025 has been entered. Claims 21, 23-25, and 27-42 remain pending in the application. Applicant's amendments to the Claims have overcome each and every 101, 102, and 103 rejections previously set forth in the Non-Final Office Action mailed August 12, 2025. Double Patenting The nonstatutory double patenting rejection is based on a judicially created doctrine grounded in public policy (a policy reflected in the statute) so as to prevent the unjustified or improper timewise extension of the “right to exclude” granted by a patent and to prevent possible harassment by multiple assignees. A nonstatutory double patenting rejection is appropriate where the conflicting claims are not identical, but at least one examined application claim is not patentably distinct from the reference claim(s) because the examined application claim is either anticipated by, or would have been obvious over, the reference claim(s). See, e.g., In re Berg, 140 F.3d 1428, 46 USPQ2d 1226 (Fed. Cir. 1998); In re Goodman, 11 F.3d 1046, 29 USPQ2d 2010 (Fed. Cir. 1993); In re Longi, 759 F.2d 887, 225 USPQ 645 (Fed. Cir. 1985); In re Van Ornum, 686 F.2d 937, 214 USPQ 761 (CCPA 1982); In re Vogel, 422 F.2d 438, 164 USPQ 619 (CCPA 1970); In re Thorington, 418 F.2d 528, 163 USPQ 644 (CCPA 1969). A timely filed terminal disclaimer in compliance with 37 CFR 1.321(c) or 1.321(d) may be used to overcome an actual or provisional rejection based on nonstatutory double patenting provided the reference application or patent either is shown to be commonly owned with the examined application, or claims an invention made as a result of activities undertaken within the scope of a joint research agreement. See MPEP § 717.02 for applications subject to examination under the first inventor to file provisions of the AIA as explained in MPEP § 2159. See MPEP § 2146 et seq. for applications not subject to examination under the first inventor to file provisions of the AIA . A terminal disclaimer must be signed in compliance with 37 CFR 1.321(b). The filing of a terminal disclaimer by itself is not a complete reply to a nonstatutory double patenting (NSDP) rejection. A complete reply requires that the terminal disclaimer be accompanied by a reply requesting reconsideration of the prior Office action. Even where the NSDP rejection is provisional the reply must be complete. See MPEP § 804, subsection I.B.1. For a reply to a non-final Office action, see 37 CFR 1.111(a). For a reply to final Office action, see 37 CFR 1.113(c). A request for reconsideration while not provided for in 37 CFR 1.113(c) may be filed after final for consideration. See MPEP §§ 706.07(e) and 714.13. The USPTO Internet website contains terminal disclaimer forms which may be used. Please visit www.uspto.gov/patent/patents-forms. The actual filing date of the application in which the form is filed determines what form (e.g., PTO/SB/25, PTO/SB/26, PTO/AIA /25, or PTO/AIA /26) should be used. A web-based eTerminal Disclaimer may be filled out completely online using web-screens. An eTerminal Disclaimer that meets all requirements is auto-processed and approved immediately upon submission. For more information about eTerminal Disclaimers, refer to www.uspto.gov/patents/apply/applying-online/eterminal-disclaimer. Claims 21, 23-25, and 27-42 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-20 of U.S. Patent No. 11,605,076. Although the claims at issue are not identical, they are not patentably distinct from each other. U.S. Patent No. 11,605,076 differs from the claims at issue because it recites the additional features of “…submit the second request data to the second computing system through a programmatic interface associated with the second computing system, …the programmatic interface being inaccessible to the apparatus via the communications interface”, especially for the independent claims 21 and 32-33. Since U.S. Patent No. 11,605,076 and the claims at issue of the present application perform similar functions, it would have been obvious to a person of ordinary skill in the art to modify claims 1-20 of U.S. Patent No. 11,605,076 by removing the additional features. It is well settled that omission of an element and its function is an obvious expedient if the remaining elements perform the same function as before. In re Karison, 136 USPQ 184 (CCPA 1963) Also note Ex parte Rainu, 168 USPQ 375 (Bd. App. 1969). Thus, omission of a reference element whose function is not needed would be obvious to one of ordinary skill in the art. Claim Objections Claims 1-9 are objected to because of the following informalities: In Claim 1, line 12, “the first computing system” should read --a first computing system--. Claims 2-9 are further objected due to their dependency. Appropriate correction is required. Allowable Subject Matter Claim(s) 21, 23-25, and 27-42 would be allowable if rewritten or amended overcome the rejection(s) under Double Patenting and the objections set forth in this Office Action and discussed in the Examiner-initiated interview dated February 12, 2026. 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 CLAY LEE whose telephone number is (571)272-3309. The examiner can normally be reached Monday-Friday 8-5pm EST. 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, Neha Patel can be reached on (571)270-1492. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of published or unpublished applications may be obtained from Patent Center. Unpublished application information in Patent Center is available to registered users. To file and manage patent submissions in Patent Center, visit: https://patentcenter.uspto.gov. Visit https://www.uspto.gov/patents/apply/patent-center for more information about Patent Center and https://www.uspto.gov/patents/docx for information about filing in DOCX format. For additional questions, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. /CLAY C LEE/Primary Examiner, Art Unit 3699
Read full office action

Prosecution Timeline

Feb 03, 2023
Application Filed
Jan 16, 2024
Non-Final Rejection — §DP
Apr 23, 2024
Response Filed
Jul 08, 2024
Examiner Interview (Telephonic)
Jul 24, 2024
Non-Final Rejection — §DP
Oct 30, 2024
Response Filed
Feb 03, 2025
Final Rejection — §DP
Apr 07, 2025
Response after Non-Final Action
May 05, 2025
Interview Requested
May 12, 2025
Applicant Interview (Telephonic)
May 12, 2025
Examiner Interview Summary
Jun 04, 2025
Request for Continued Examination
Jun 10, 2025
Response after Non-Final Action
Aug 01, 2025
Examiner Interview (Telephonic)
Aug 08, 2025
Non-Final Rejection — §DP
Oct 24, 2025
Interview Requested
Oct 30, 2025
Examiner Interview Summary
Oct 30, 2025
Applicant Interview (Telephonic)
Nov 12, 2025
Response Filed
Feb 12, 2026
Examiner Interview (Telephonic)
Feb 18, 2026
Final Rejection — §DP (current)

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12597019
Post-Provisioning Authentication Protocols
2y 5m to grant Granted Apr 07, 2026
Patent 12591639
RESOURCE BASED LICENSING
2y 5m to grant Granted Mar 31, 2026
Patent 12572907
UNIVERSAL PAYMENT CHANNEL
2y 5m to grant Granted Mar 10, 2026
Patent 12561654
SYSTEMS AND METHODS FOR EXECUTING REAL-TIME ELECTRONIC TRANSACTIONS USING A ROUTING DECISION MODEL
2y 5m to grant Granted Feb 24, 2026
Patent 12561712
LOYALTY POINT DISTRIBUTIONS USING A DECENTRALIZED LOYALTY ID
2y 5m to grant Granted Feb 24, 2026
Study what changed to get past this examiner. Based on 5 most recent grants.

AI Strategy Recommendation

Get an AI-powered prosecution strategy using examiner precedents, rejection analysis, and claim mapping.
Powered by AI — typically takes 5-10 seconds

Prosecution Projections

6-7
Expected OA Rounds
54%
Grant Probability
99%
With Interview (+57.1%)
4y 1m
Median Time to Grant
High
PTA Risk
Based on 216 resolved cases by this examiner. Grant probability derived from career allow rate.

Sign in with your work email

Enter your email to receive a magic link. No password needed.

Personal email addresses (Gmail, Yahoo, etc.) are not accepted.

Free tier: 3 strategy analyses per month