Prosecution Insights
Last updated: October 23, 2026
Application No. 18/142,552

SYSTEMS AND METHODS FOR CONTACTLESS CARD ACTIVATION

Final Rejection §DOUBLEPATENT
Filed
May 02, 2023
Priority
Sep 18, 2019 — provisional 62/902,247 +2 more
Examiner
JUNG, HENRY H
Art Unit
3695
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Wells Fargo Bank, N.A.
OA Round
6 (Final)
23%
Grant Probability
At Risk
7-8
OA Rounds
0m
Est. Remaining
50%
With Interview

Examiner Intelligence

Grants only 23% of cases
23%
Career Allowance Rate
26 granted / 114 resolved
-29.2% vs TC avg
Strong +27% interview lift
Without
With
+27.2%
Interview Lift
resolved cases with interview
Typical timeline
3y 6m
Avg Prosecution
26 currently pending
Career history
156
Total Applications
across all art units

Statute-Specific Performance

§101
39.1%
-0.9% vs TC avg
§103
40.2%
+0.2% vs TC avg
§102
6.9%
-33.1% vs TC avg
§112
6.4%
-33.6% vs TC avg
Black line = Tech Center average estimate • Based on career data from 114 resolved cases

Office Action

§DOUBLEPATENT
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 the Application Claims 1-20 have been examined in this application. The filling date of this application number recited above is 02-May-2023. Domestic Benefit/National Stage priority has been claimed for Continuation of 16/986,111 and 16/703,539, and Provisional 62/902,247 and 62/902,247 in the Application Data Sheet, thus the examination will be undertaken in consideration of 05-August-2020, 18-Septemer-2019, and 04-December-2019, as the priority date, for applicable claims. The information disclosure statement (IDS) submitted on 12-August-2026 and 16-September-2026 are in compliance with the provisions of 37 CFR 1.97. Accordingly, the IDS are being considered by the examiner. 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 1-20 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-18 of U.S. Patent No. 11694188 (Application Number 16/986,111). Although the claims at issue are not identical, they are not patentably distinct from each other because they are both directed towards contactless communications between a card and a device for card activation and registration, wherein the registered device information is used to automatically grant access to the account for the login portal. While the claim limitations are not exactly the same, the present claims are broader and fully encompass the claims of the parent application. Response to Arguments Applicant’s arguments, see pages 8 to 9, filed 16-September-2026, with respect to 35 U.S.C. 103 rejection have been fully considered and are persuasive. The 35 U.S.C. 103 rejection has been withdrawn. Applicant's arguments, see page 9, with respect to Double Patenting rejection have been fully considered but they are not persuasive as no terminal disclaimer has been filed, thus the non-statutory double patenting rejection has been maintained. 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 HENRY H JUNG whose telephone number is (571)270-5018. The examiner can normally be reached Mon - Fri 9:30 - 5:30. 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 M Tran (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 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. /HENRY H JUNG/ Examiner, Art Unit 3695 /CHRISTINE M Tran/ Supervisory Patent Examiner, Art Unit 3695
Read full office action

Prosecution Timeline

Show 12 earlier events
Apr 20, 2026
Response after Non-Final Action
May 18, 2026
Request for Continued Examination
May 21, 2026
Response after Non-Final Action
Jun 16, 2026
Non-Final Rejection mailed — §DOUBLEPATENT
Sep 08, 2026
Examiner Interview Summary
Sep 08, 2026
Applicant Interview (Telephonic)
Sep 16, 2026
Response Filed
Oct 15, 2026
Final Rejection mailed — §DOUBLEPATENT (current)

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12743690
SYSTEMS AND METHODS FOR PASSWORDLESS LOGIN VIA A CONTACTLESS CARD
2y 9m to grant Granted Sep 22, 2026
Patent 12626242
SYSTEMS AND METHODS FOR A TRANSACTION CARD HAVING A CUSTOMER-SPECIFIC URL
2y 3m to grant Granted May 12, 2026
Patent 12602686
DETAILING SECURE SERVICE PROVIDER TRANSACTIONS
3y 9m to grant Granted Apr 14, 2026
Patent 12400234
MICROTRANSACTION DETECTION AND AUTHORIZATION SYSTEMS AND METHODS
2y 8m to grant Granted Aug 26, 2025
Patent 12346971
INFORMATION SHARING PORTAL ASSOCIATED WITH MULTI-VENDOR RISK RELATIONSHIPS
2y 3m to grant Granted Jul 01, 2025
Study what changed to get past this examiner. Based on 5 most recent grants.

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Prosecution Projections

7-8
Expected OA Rounds
23%
Grant Probability
50%
With Interview (+27.2%)
3y 6m (~0m remaining)
Median Time to Grant
High
PTA Risk
Based on 114 resolved cases by this examiner. Grant probability derived from career allowance rate.

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