Prosecution Insights
Last updated: October 26, 2026
Application No. 18/240,114

SYSTEMS AND METHODS FOR ACCOUNT-LINKED PIGGY BANK

Non-Final OA §103
Filed
Aug 30, 2023
Priority
Dec 07, 2020 — divisional of 11/769,126
Examiner
PATEL, DIVESH
Art Unit
3696
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Wells Fargo Bank, N.A.
OA Round
3 (Non-Final)
53%
Grant Probability
Moderate
3-4
OA Rounds
0m
Est. Remaining
94%
With Interview

Examiner Intelligence

Grants 53% of resolved cases
53%
Career Allowance Rate
66 granted / 124 resolved
+1.2% vs TC avg
Strong +41% interview lift
Without
With
+41.2%
Interview Lift
resolved cases with interview
Typical timeline
2y 10m
Avg Prosecution
15 currently pending
Career history
150
Total Applications
across all art units

Statute-Specific Performance

§101
42.9%
+2.9% vs TC avg
§103
38.9%
-1.1% vs TC avg
§102
4.1%
-35.9% vs TC avg
§112
11.2%
-28.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 124 resolved cases

Office Action

§103
DETAILED ACTION Notice of 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 request for continued examination filed on April 6, 2026. Claims 1, 7, 9, 15, and 17 have been amended and are hereby entered. Claims 1–20 are currently pending and have been examined. Continued Examination 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and the fee set forth in 37 CFR 1.17(e) has been timely paid, the finality of the previous Office action has been withdrawn pursuant to 37 CFR 1.114.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 April 6, 2026 has been entered. Response to Amendment The amendment filed February 2, 2026 has been entered. Claims 1–20 remain pending in the application. Claim Rejections - 35 USC § 103 In the event that the determination of the status of the application as subject to AIA 35 U.S.C. 102 and 103 is incorrect, any correction of the statutory basis for the rejection will not be considered a new ground of rejection if the prior art relied upon, and the rationale supporting the rejection, would be the same under either status. 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. The factual inquiries set forth in Graham v. John Deere Co., 383 U.S. 1, 148 USPQ 459 (1966), that are applied for determining obviousness under 35 U.S.C. 103 are summarized as follows: (1) Determining the scope and contents of the prior art. (2) Ascertaining the differences between the prior art and the claims at issue. (3) Resolving the level of ordinary skill in the pertinent art. (4) Considering objective evidence present in the application indicating obviousness or nonobviousness. Claims 1, 2, 9, 10, and 17 are rejected under 35 U.S.C. 103 as being unpatentable over Iregui, WIPO Patent App. Pub. No. WO 2017/182012 A1 (“Iregui”) in view of Park, Korean Patent App. Pub. No. KR 2019-0075658 A (“Park”) and Lu et al., Chinese Patent App. Pub. No. (“Lu”). For claim 1, Iregui teaches: A system comprising (page 17, ¶ 5–18, ¶ 1: example system): a lock box (page 18, ¶ 1: main housing safety box); and a piggy bank comprising a network interface and a processing circuit, the network interface configured to facilitate data communication with a user device via a network, the processing circuit comprising a processor . . ., the processing circuit configured to (page 17, ¶ 5–page 18, ¶ 1: piggy bank comprising a computer and connected to network for communicating data) . . .. Iregui does not teach: a memory; receive, from an input device of the lock box, a first user input from a first user, wherein the first user input is of a particular type and sets an authentication factor for opening the lock box; prompt a second user to provide the authentication factor to initiate an instance of opening the lock box; receive, from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input; compare the authentication factor inputted by the second user with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box by: analyzing the authentication factor inputted by the second user to determine at least one of (i) whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user; transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock; automatically unlock the lock box upon receipt of the signal by the lock box; and transmit, to the user device associated with the first user, a notification indicating that the lock box has been unlocked. Park, however, teaches: a memory (page 3, ¶ 8–page 4, ¶ 1: computer-readable medium); receive, from an input device of the lock box, a first user input from a first user, wherein the first user input is of a particular type and sets an authentication factor for opening the lock box (page 8, ¶ 3: input for setting password); prompt a second user to provide the authentication factor to initiate an instance of opening the lock box (page 7, ¶ 2: multiple users; page 6, ¶ 5: safe open request); receive, from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input (page 6, ¶ 4: biometric information received through biometric authentication means); compare the authentication factor inputted by the second user with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box (page 6, ¶ 4: biometric information received compared to biometric information stored to authenticate user) by . . .; and transmit, to the user device associated with the first user, a notification indicating that the lock box has been unlocked (page 6, ¶ 3: terminal device includes mobile device; page 7, ¶ 5–page 8, ¶ 2: confirms identification information same). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui by adding the authentication from Park. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving safe security efficiently—a benefit explicitly disclosed by Park (page 3, ¶ 2–3: key or password required for safe, but lock device can increase size too much; page 6, ¶ 3–4: invention provides safe with terminal device and biometric authentication). The combination of Iregui and Park does not teach: receive, from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input; analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user; transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock; automatically unlock the lock box upon receipt of the signal by the lock box. Lu, however, teaches: receive, from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input (page 10, ¶ 3–page 11, ¶ 3: second user, such as children, provide corresponding password or biometrics to unlock). analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user (page 9, ¶ 4: judging of unlocking information to compare same sequence for password or comparison threshold value for biometric); transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock (page 9, ¶ 5–page 10, ¶ 1: result of judgement opens the lock; page 12, ¶ 3: lock apples to various devices); and automatically unlock the lock box upon receipt of the signal by the lock box (page 9, ¶ 5–page 10, ¶ 1: result of judgement opens the lock; page 12, ¶ 3: lock apples to various devices; page 7, ¶ 6: automatically open). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui and the authentication in Park by adding the authentication comparison from Lu. One of ordinary skill in the art would have been motivated to make this modification for the purpose of facilitating providing authentication for electronic locks—a benefit explicitly disclosed by Lu (page 2, ¶ 2: current intelligent locks lack convenience and speed while maintaining safety; page 3, ¶ 2: invention provides second user unlocking information). Iregui, Park, and Lu are all related in part to authentication of container locks, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 2, Iregui, Park, and Lu teach all the limitations of claim 1 above, and Iregui further teaches: The system of claim 1, wherein the piggy bank further includes a touch screen configured to receive an input (page 18, ¶ 1: touch sensitive screen). For claim 9, Iregui teaches: a processing circuit of a piggy bank (page 17, ¶ 5–page 18, ¶ 1: piggy bank comprising a computer and connected to network for communicating data) . . .. Iregui does not teach: A method comprising: receiving, . . . from an input device of a lock box, a first user input from a first user, wherein the first user input is of a particular type and sets an authentication factor for opening the lock box; prompting, by the processing circuit, a second user to provide the authentication factor to initiate an instance of opening the lock box; receiving, by the processing circuit and from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input; comparing, by the processing circuit, the authentication factor inputted by the second user with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box by: analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user; transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock; automatically unlocking, by the processing circuit, the lock box upon receipt of the signal by the lock box; and transmitting, by the processing circuit and to a user device associated with the first user, a notification indicating that the lock box has been unlocked. Park, however, teaches: A method comprising (page 6, ¶ 4: example method): receiving, . . . from an input device of a lock box, a first user input from a first user, wherein the first user input is of a particular type and sets an authentication factor for opening the lock box (page 8, ¶ 3: input for setting password); prompting, by the processing circuit, a second user to provide the authentication factor to initiate an instance of opening the lock box (page 7, ¶ 2: multiple users; page 6, ¶ 5: safe open request); comparing, by the processing circuit, the authentication factor inputted by the second user with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box (page 6, ¶ 4: biometric information received compared to biometric information stored to authenticate user) by . . .; and transmitting, by the processing circuit and to a user device associated with the first user, a notification indicating that the lock box has been unlocked (page 6, ¶ 3: terminal device includes mobile device; page 7, ¶ 5–page 8, ¶ 2: confirms identification information same). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui by adding the authentication from Park. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving safe security efficiently—a benefit explicitly disclosed by Park (page 3, ¶ 2–3: key or password required for safe, but lock device can increase size too much; page 6, ¶ 3–4: invention provides safe with terminal device and biometric authentication). The combination of Iregui and Park does not teach: receiving, by the processing circuit and from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input; analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user; transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock; automatically unlock the lock box upon receipt of the signal by the lock box. Lu, however, teaches: receiving, by the processing circuit and from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input (page 10, ¶ 3–page 11, ¶ 3: second user, such as children, provide corresponding password or biometrics to unlock). analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user (page 9, ¶ 4: judging of unlocking information to compare same sequence for password or comparison threshold value for biometric); transmitting, based on the second user being authorized to access the lock box, a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock (page 9, ¶ 5–page 10, ¶ 1: result of judgement opens the lock; page 12, ¶ 3: lock apples to various devices); and automatically unlocking, by the processing circuit, the lock box upon receipt of the signal by the lock box (page 9, ¶ 5–page 10, ¶ 1: result of judgement opens the lock; page 12, ¶ 3: lock apples to various devices; page 7, ¶ 6: automatically open). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui and the authentication in Park by adding the authentication comparison from Lu. One of ordinary skill in the art would have been motivated to make this modification for the purpose of facilitating providing authentication for electronic locks—a benefit explicitly disclosed by Lu (page 2, ¶ 2: current intelligent locks lack convenience and speed while maintaining safety; page 3, ¶ 2: invention provides second user unlocking information). Iregui, Park, and Lu are all related in part to authentication of container locks, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 10, Iregui, Park, and Lu teach all the limitations of claim 9 above, and Iregui further teaches: The method of claim 9, wherein the piggy bank further includes a touch screen configured to receive an input (page 18, ¶ 1: touch sensitive screen). For claim 17, Iregui teaches: a processing circuit of a piggy bank (page 17, ¶ 5–page 18, ¶ 1: piggy bank comprising a computer and connected to network for communicating data) . . .. Iregui does not teach: A non-transitory computer-readable storage media comprising instructions stored thereon, that when executed by a processing circuit . . ., causes the processing circuit to perform operations, the operations comprising: receiving, from an input device of a lock box, a first user input from a first user, wherein the first user input is of a particular type and sets an authentication factor for opening the lock box; prompting a second user to provide the authentication factor to initiate an instance of opening the lock box; receiving, from the input device, a second user input from a second user, the second user input comprising the authentication factor; comparing the authentication factor inputted by the second user with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box by: analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user; transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock; automatically unlocking the lock box upon receipt of the signal by the lock box; and transmitting, to the user device associated with the first user, a notification indicating that the lock box has been unlocked. Park, however, teaches: A non-transitory computer-readable storage media comprising instructions stored thereon, that when executed by a processing circuit . . ., causes the processing circuit to perform operations, the operations comprising (page 3, ¶ 8–page 4, ¶ 1: computer-readable medium including computer readable code): receiving, from an input device of a lock box, a first user input from a first user, wherein the first user input is of a particular type and sets an authentication factor for opening the lock box (page 8, ¶ 3: input for setting password); prompting a second user to provide the authentication factor to initiate an instance of opening the lock box (page 7, ¶ 2: multiple users; page 6, ¶ 5: safe open request); receiving, from the input device, a second user input from a second user, the second user input comprising the authentication factor (page 6, ¶ 4: biometric information received through biometric authentication means); comparing the authentication factor inputted by the second user with the authentication factor inputted by the first user to determine that the second user is authorized to access the lock box (page 6, ¶ 4: biometric information received compared to biometric information stored to authenticate user) by . . .; and transmitting, to the user device associated with the first user, a notification indicating that the lock box has been unlocked (page 6, ¶ 3: terminal device includes mobile device; page 7, ¶ 5–page 8, ¶ 2: confirms identification information same). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui by adding the authentication from Park. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving safe security efficiently—a benefit explicitly disclosed by Park (page 3, ¶ 2–3: key or password required for safe, but lock device can increase size too much; page 6, ¶ 3–4: invention provides safe with terminal device and biometric authentication). The combination of Iregui and Park does not teach: receiving, from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input; analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user; transmit, based on the second user being authorized to access the lock box a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock; automatically unlock the lock box upon receipt of the signal by the lock box. Lu, however, teaches: receiving, from the input device, a second user input from a second user, the second user input comprising the authentication factor, wherein the second user input is of the same type as the first user input (page 10, ¶ 3–page 11, ¶ 3: second user, such as children, provide corresponding password or biometrics to unlock). analyzing the authentication factor inputted by the second user to determine (i) when the authentication factor is a textual input, whether the inputted authentication factor is an exact match with the authentication factor set by the first user or (ii) when the authentication factor is a non-textual input, whether the inputted authentication factor has a similarity value at or above a threshold value compared to the authentication factor set by the first user (page 9, ¶ 4: judging of unlocking information to compare same sequence for password or comparison threshold value for biometric); transmit, based on the second user being authorized to access the lock box, a signal to the input device of the lock box to cause a locking mechanism of the lock box to unlock (page 9, ¶ 5–page 10, ¶ 1: result of judgement opens the lock; page 12, ¶ 3: lock apples to various devices); and automatically unlocking the lock box upon receipt of the signal by the lock box (page 9, ¶ 5–page 10, ¶ 1: result of judgement opens the lock; page 12, ¶ 3: lock apples to various devices; page 7, ¶ 6: automatically open). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui and the authentication in Park by adding the authentication comparison from Lu. One of ordinary skill in the art would have been motivated to make this modification for the purpose of facilitating providing authentication for electronic locks—a benefit explicitly disclosed by Lu (page 2, ¶ 2: current intelligent locks lack convenience and speed while maintaining safety; page 3, ¶ 2: invention provides second user unlocking information). Iregui, Park, and Lu are all related in part to authentication of container locks, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. Claims 3–6, 11–14, and 18 are rejected under 35 U.S.C. 103 as being unpatentable over Iregui, WIPO Patent App. Pub. No. WO 2017/182012 A1 (“Iregui”) in view of Park, Korean Patent App. Pub. No. KR 2019-0075658 A (“Park”); Lu et al., Chinese Patent App. Pub. No. CN 109410386 A (“Lu”); and Suchan et al., U.S. Patent App. No. 2023/0273985 (“Suchan”). For claim 3, Iregui, Park, and Lu teach all the limitations of claim 2 above. The combination of Iregui, Park, and Lu does not teach: wherein the authentication factor is a shape, and wherein the shape is received by the touch screen. Suchan, however, teaches: The system of claim 2, wherein the authentication factor is a shape, and wherein the shape is received by the touch screen (¶ 92–93: shapes including gestures on touch-sensitive input elements). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 4, Iregui, Park, and Lu teach all the limitations of claim 1 above, and Iregui further teaches: The system of claim 1, the piggy bank further comprising: an animatronic animal (page 18, ¶ 1: ornamental design of animal) . . .. The combination of Iregui, Park, and Lu does not teach: a microphone; a speaker; and a camera. Suchan, however, teaches: a microphone (¶ 66: microphones); a speaker (¶ 66: speakers); and a camera (¶ 68: cameras). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 5, Iregui, Park, Lu, and Suchan teach all the limitations of claim 4 above, and Suchan further teaches: The system of claim 4, wherein the authentication factor is a spoken phrase, and wherein the spoken phrase is received by the speaker (¶ 162: biometric voice authentication; ¶ 119: detection of voice command). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 6, Iregui, Park, Lu, and Suchan teach all the limitations of claim 4 above, and Suchan further teaches: The system of claim 4, wherein the authentication factor is a hand gesture or body movement (¶ 82–83: gesture identified, including body or hand movements), and wherein the hand gesture or body movement is detected by the camera (¶ 68, 78: hand-tracking camera including image sensors for capturing movement). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 11, Iregui, Park, and Lu teach all the limitations of claim 10 above. The combination of Iregui, Park, and Lu does not teach: wherein the authentication factor is a shape, and the method further comprising receiving the shape by the touch screen. Suchan, however, teaches: The method of claim 10, wherein the authentication factor is a shape, and the method further comprising receiving the shape by the touch screen (¶ 92–93: shapes including gestures on touch-sensitive input elements). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 12, Iregui, Park, and Lu teach all the limitations of claim 9 above, and Iregui further teaches: The method of claim 9, wherein the piggy bank further comprises an animatronic animal (page 18, ¶ 1: ornamental design of animal) . . .. The combination of Iregui, Park, and Lu does not teach: a microphone, a speaker, and a camera. Suchan, however, teaches: a microphone (¶ 66: microphones), a speaker (¶ 66: speakers), and a camera (¶ 68: cameras). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 13, Iregui, Park, Lu, and Suchan teach all the limitations of claim 12 above, and Suchan further teaches: The method of claim 12, wherein the authentication factor is a spoken phrase, and the method further comprising receiving the spoken phrase by the speaker (¶ 162: biometric voice authentication; ¶ 119: detection of voice command). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 14, Iregui, Park, Lu, and Suchan teach all the limitations of claim 12 above, and Suchan further teaches: The method of claim 12, wherein the authentication factor is a hand gesture or a body movement (¶ 82–83: gesture identified, including body or hand movements), and the method further comprising detecting the hand gesture or the body movement by the camera (¶ 68, 78: hand-tracking camera including image sensors for capturing movement). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 18, Iregui, Park, and Lu teach all the limitations of claim 17 above, and Iregui further teaches: The non-transitory computer-readable storage media of claim 17, wherein the piggy bank further comprises an animatronic animal (page 18, ¶ 1: ornamental design of animal) . . .. The combination of Iregui, Park, and Lu does not teach: a microphone, a speaker, and a camera. Suchan, however, teaches: a microphone (¶ 66: microphones), a speaker (¶ 66: speakers), and a camera (¶ 68: cameras). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the authentication options from Suchan. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authorization of secure operations—by making them more efficient and intuitive—a benefit explicitly disclosed by Suchan (¶ 5: need for improved methods of authorizing secure operations; ¶ 6: invention addresses problems through additional authorization options). Iregui, Park, Lu, and Suchan are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. Claims 7, 15, and 19 are rejected under 35 U.S.C. 103 as being unpatentable over Iregui, WIPO Patent App. Pub. No. WO 2017/182012 A1 (“Iregui”) in view of Park, Korean Patent App. Pub. No. KR 2019-0075658 A (“Park”); Lu et al., Chinese Patent App. Pub. No. CN 109410386 A (“Lu”); and Hewitt et al., U.S. Patent App. No. 2016/0156473 (“Hewitt”). For claim 7, Iregui, Park, Lu, and Suchan teach all the limitations of claim 4 above. The combination of Iregui, Park, Lu, and Suchan does not teach: wherein the processing circuit is further configured to: receive, from the input device of the lock box, an authentication factor hint provided by the first user; and provide, by the speaker, the authentication factor hint based on determining that the second user has provided an incorrect authentication factor input. Hewitt, however, teaches: The system of claim 4, wherein the processing circuit is further configured to: receive, from the input device of the lock box, an authentication factor hint provided by the first user (¶ 51: hint or clue provided by user to system); and provide, by the speaker, the authentication factor hint based on determining that the second user has provided an incorrect authentication factor input (¶ 50–53: hint or clue provided upon incorrect token or denial of authentication system). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, the authentication comparison in Lu, and the authentication options in Suchan by adding the hint from Hewitt. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authentication options—a benefit explicitly disclosed by Hewitt (¶ 5–6: challenges implementing various authentication options with the available devices, which can be cumbersome; ¶ 7: invention provides authentication system). Iregui, Park, Lu, Suchan, and Hewitt are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 15, Iregui, Park, Lu, and Suchan teach all the limitations of claim 12 above. The combination of Iregui, Park, Lu, and Suchan does not teach: receiving, by the processing circuit and from the input device of the lock box, an authentication factor hint provided by the first user; and providing, by the processing circuit and by the speaker, the authentication factor hint based on determining that the second user has provided an incorrect authentication factor input. Hewitt, however, teaches: The method of claim 12, further comprising: receiving, by the processing circuit and from the input device of the lock box, an authentication factor hint provided by the first user (¶ 51: hint or clue provided by user to system); and providing, by the processing circuit and by the speaker, the authentication factor hint based on determining that the second user has provided an incorrect authentication factor input (¶ 50–53: hint or clue provided upon incorrect token or denial of authentication system). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, the authentication comparison in Lu, and the authentication options in Suchan by adding the hint from Hewitt. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authentication options—a benefit explicitly disclosed by Hewitt (¶ 5–6: challenges implementing various authentication options with the available devices, which can be cumbersome; ¶ 7: invention provides authentication system). Iregui, Park, Lu, Suchan, and Hewitt are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. For claim 19, Iregui, Park, Lu, and Suchan teach all the limitations of claim 18 above. The combination of Iregui, Park, Lu, and Suchan does not teach: receiving, from the input device of the lock box, an authentication factor hint provided by the first user; providing, by the speaker, the authentication factor hint based on determining that the second user has provided an incorrect authentication factor input. Hewitt, however, teaches: The non-transitory computer-readable storage media of claim 18, further comprising: receiving, from the input device of the lock box, an authentication factor hint provided by the first user (¶ 51: hint or clue provided by user to system); providing, by the speaker, the authentication factor hint based on determining that the second user has provided an incorrect authentication factor input (¶ 50–53: hint or clue provided upon incorrect token or denial of authentication system). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, the authentication comparison in Lu, and the authentication options in Suchan by adding the hint from Hewitt. One of ordinary skill in the art would have been motivated to make this modification for the purpose of improving authentication options—a benefit explicitly disclosed by Hewitt (¶ 5–6: challenges implementing various authentication options with the available devices, which can be cumbersome; ¶ 7: invention provides authentication system). Iregui, Park, Lu, Suchan, and Hewitt are all related in part to authentication, so one of ordinary skill in the art would have been motivated to make this authentication even more effective by combining these references together. Claims 8, 16, and 20 are rejected under 35 U.S.C. 103 as being unpatentable over Iregui, WIPO Patent App. Pub. No. WO 2017/182012 A1 (“Iregui”) in view of Park, Korean Patent App. Pub. No. KR 2019-0075658 A (“Park”); Lu et al., Chinese Patent App. Pub. No. CN 109410386 A (“Lu”); and Watabe, Japanese Patent App. Pub. No. JPH 6117154 A (“Watabe”). For claim 8, Iregui, Park, and Lu teach all the limitations of claim 2 above. The combination of Iregui, Park, and Lu does not teach: wherein the lock box further includes a motion sensor and a weight sensor, and wherein the processing circuit is further configured to prevent the lock box from locking if movement is detected within the lock box based on data received from at least one of the motion sensor or the weight sensor. Watabe, however, teaches: The system of claim 1, wherein the lock box further includes a motion sensor and a weight sensor, and wherein the processing circuit is further configured to prevent the lock box from locking if movement is detected within the lock box based on data received from at least one of the motion sensor or the weight sensor (¶ 8, 9, 19: locker remains unlocked based on detection by human body sensor and infrared sensor). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the automatic locking and unlocking from Watabe. One of ordinary skill in the art would have been motivated to make this modification for the purpose of keeping a locker unlocked while it is being accessed—a benefit explicitly disclosed by Watabe (¶ 4–5: problem of unlocking locker when necessary, such as when person accessing; ¶ 7: invention solves problems through sensors). Iregui, Park, Lu, and Watabe are all related in part to locked containers, so one of ordinary skill in the art would have been motivated to make these containers even more effective by combining these references together. For claim 16, Iregui, Park, and Lu teach all the limitations of claim 9 above. The combination of Iregui, Park, and Lu does not teach: wherein the lock box further includes a motion sensor and a weight sensor, and the method further comprising preventing, by the processing circuit, the lock box from locking if movement is detected within the lock box based on data received from at least one of the motion sensor or the weight sensor. Watabe, however, teaches: The method of claim 9, wherein the lock box further includes a motion sensor and a weight sensor, and the method further comprising preventing, by the processing circuit, the lock box from locking if movement is detected within the lock box based on data received from at least one of the motion sensor or the weight sensor (¶ 8, 9, 19: locker remains unlocked based on detection by human body sensor and infrared sensor). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the automatic locking and unlocking from Watabe. One of ordinary skill in the art would have been motivated to make this modification for the purpose of keeping a locker unlocked while it is being accessed—a benefit explicitly disclosed by Watabe (¶ 4–5: problem of unlocking locker when necessary, such as when person accessing; ¶ 7: invention solves problems through sensors). Iregui, Park, Lu, and Watabe are all related in part to locked containers, so one of ordinary skill in the art would have been motivated to make these containers even more effective by combining these references together. For claim 20, Iregui, Park, and Lu teach all the limitations of claim 17 above. The combination of Iregui, Park, and Lu does not teach: wherein the lock box further includes a motion sensor and a weight sensor, and the operations further comprising preventing the lock box from locking if movement is detected within the lock box based on data received from at least one of the motion sensor or the weight sensor. Watabe, however, teaches: The non-transitory computer-readable storage media of claim 17, wherein the lock box further includes a motion sensor and a weight sensor, and the operations further comprising preventing the lock box from locking if movement is detected within the lock box based on data received from at least one of the motion sensor or the weight sensor (¶ 8, 9, 19: locker remains unlocked based on detection by human body sensor and infrared sensor). It would have been obvious for one of ordinary skill in the art, before the effective filing date of the claimed invention, to have modified the piggy bank in Iregui, the authentication in Park, and the authentication comparison in Lu by adding the automatic locking and unlocking from Watabe. One of ordinary skill in the art would have been motivated to make this modification for the purpose of keeping a locker unlocked while it is being accessed—a benefit explicitly disclosed by Watabe (¶ 4–5: problem of unlocking locker when necessary, such as when person accessing; ¶ 7: invention solves problems through sensors). Iregui, Park, Lu, and Watabe are all related in part to locked containers, so one of ordinary skill in the art would have been motivated to make these containers even more effective by combining these references together. Response to Arguments Claim Rejections Under 35 U.S.C. § 103 Applicant’s arguments with respect to claims 1–20 have been considered but are moot because the arguments do not apply to the references being used in the current rejection. Applicant has amended claims 1, 9, and 17 and argues that the combination of Iregui (WIPO Patent App. Pub. No. WO 2017/182012 A1) and Park (Korean Patent App. Pub. No. KR 2019-0075658 A) and Kalous (U.S. Patent App. No. 2020/0285726) does not disclose these additional limitations. Claims 1, 9, and 17, however, are currently rejected under 35 U.S.C. 103 over Iregui in view of Park and Lu (Chinese Patent App. Pub. No. CN 109410386 A). Thus, Applicant’s arguments with respect to claims 1, 9, and 17 are moot. Applicant argues that the dependent claims are allowable by virtue of their dependence on claims 1, 9, and 17, which were amended to overcome the rejection under 35 U.S.C. 103. As discussed above, however, claims 1, 9, and 17 are currently rejected under 35 U.S.C. 103 over Iregui in view of Park and Kalous. Thus, Applicant’s arguments with respect to claims 2–8, 10–16, and 18–20 are moot. Prior Art Not Relied Upon The prior art made of record and not relied upon is considered pertinent to Applicant’s disclosure. Those prior art references are as follows: Van Os et al., U.S. Patent App. No. 2019/0080189, discloses various additional biometric authentication techniques. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to DIVESH PATEL whose telephone number is (571) 272–3430. The examiner can normally be reached on Monday and Thursday 10:00 AM–8:00 PM 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, Matthew Gart can be reached on (571) 272–3955. 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. /DIVESH PATEL/Examiner, Art Unit 3696
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Prosecution Timeline

Show 4 earlier events
Sep 23, 2025
Response Filed
Dec 04, 2025
Final Rejection mailed — §103
Jan 29, 2026
Applicant Interview (Telephonic)
Jan 29, 2026
Examiner Interview Summary
Feb 02, 2026
Response after Non-Final Action
Apr 06, 2026
Request for Continued Examination
Apr 21, 2026
Response after Non-Final Action
Oct 14, 2026
Non-Final Rejection mailed — §103 (current)

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3-4
Expected OA Rounds
53%
Grant Probability
94%
With Interview (+41.2%)
2y 10m (~0m remaining)
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