Prosecution Insights
Last updated: May 29, 2026
Application No. 18/429,324

USER INTERFACE FOR AI-BASED TRADE INFORMATION AND RECOMMENDATIONS

Non-Final OA §101§112
Filed
Jan 31, 2024
Examiner
NGUYEN, NGA B
Art Unit
3625
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Mastercard International Incorporated
OA Round
2 (Non-Final)
53%
Grant Probability
Moderate
2-3
OA Rounds
1y 6m
Est. Remaining
78%
With Interview

Examiner Intelligence

Grants 53% of resolved cases
53%
Career Allowance Rate
371 granted / 697 resolved
+1.2% vs TC avg
Strong +25% interview lift
Without
With
+24.9%
Interview Lift
resolved cases with interview
Typical timeline
3y 10m
Avg Prosecution
33 currently pending
Career history
748
Total Applications
across all art units

Statute-Specific Performance

§101
42.3%
+2.3% vs TC avg
§103
31.7%
-8.3% vs TC avg
§102
22.3%
-17.7% vs TC avg
§112
0.8%
-39.2% vs TC avg
Black line = Tech Center average estimate • Based on career data from 697 resolved cases

Office Action

§101 §112
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 . DETAILED ACTION 1. This Office Action is in response to the Amendment filed on November 12, 2025, which paper has been placed of record in the file. 2. Claims 1-20 are pending in this application. Claim Rejections - 35 USC § 112 3. The following is a quotation of the first paragraph of 35 U.S.C. 112(a): (a) IN GENERAL.—The specification shall contain a written description of the invention, and of the manner and process of making and using it, in such full, clear, concise, and exact terms as to enable any person skilled in the art to which it pertains, or with which it is most nearly connected, to make and use the same, and shall set forth the best mode contemplated by the inventor or joint inventor of carrying out the invention. The following is a quotation of the first paragraph of pre-AIA 35 U.S.C. 112: The specification shall contain a written description of the invention, and of the manner and process of making and using it, in such full, clear, concise, and exact terms as to enable any person skilled in the art to which it pertains, or with which it is most nearly connected, to make and use the same, and shall set forth the best mode contemplated by the inventor of carrying out his invention. 4. Claims 1-20 are rejected under 35 U.S.C. 112(a) or 35 U.S.C. 112 (pre-AIA ), first paragraph, as failing to comply with the written description requirement. The claims contain subject matter which was not described in the specification in such a way as to reasonably convey to one skilled in the relevant art that the inventor or a joint inventor, or for applications subject to pre-AIA 35 U.S.C. 112, the inventor(s), at the time the application was filed, had possession of the claimed invention. The claims added the new features “based on the interaction of the user, determining a maximum frequency of interaction of the user with a KPI value associated with a specific characteristic; automatically locating the KPI value associated with the maximum frequency of interaction on top of other KPI values associated with the same characteristic on the user interface” recited in claims 1-7; “based on the interaction of the user, determine a maximum frequency of interaction of the user with a KPI value associated with a specific characteristic; automatically relocate the KPI value associated with the maximum frequency of interaction on top of other KPI values associated with the same characteristic on the user interface” recited in claims 8-20, are not described in the Specification. The Specification, para [0046] described “In some embodiments, the data visualization component 174 allows the user to customize the presentation format, layout, and content. For example, the user may select how many KPIs are presented, what KPIs are included, and how to display them (top to bottom, left to right, etc.). In some embodiments, the layout, format, and content are automatically selected and arranged based on historic user preferences. After initial use and customization, a use case analysis component 176 analyzes the user’s interactions and identifies use patterns. Based on the identified use patterns, the layout, format, and content of the presentation are determined. In some embodiments, the user interface104 displays KPIs based on the frequency of appearance on the user’s search. For example, based on the frequency of search, the most frequently searched KPIs are displayed. The KPIs can be displayed from left to right, or top to bottom, based on the frequency of search. In some other embodiments, the use case analysis component 176 determines the user’s pattern of interacting with KPIs or inferences, and the data visualization component 174 displays the data items based on the frequency of the user’s interaction with the item. In some embodiments, the use case analysis component 176 analyzes a pattern of user’s behavior and reflect it to the display. For example, if the user frequently searches for trade volume of the selected country for a particular industry, then the trade volume for the industry is displayed in the user interface 104 in a prominent place, such as the top of the user interface 104, above the trade volume for other industries. In some embodiments, the user frequently selects to view the country’s profile after viewing benchmark data, the user interface 104 may prompt the user to view the selected country’s profile while the user is on the benchmark display”, nowhere the Examiner can find the features “determining a maximum frequency of interaction of the user with a KPI value associated with a specific characteristic; automatically locating/relocating the KPI value associated with the maximum frequency of interaction on top of other KPI values associated with the same characteristic on the user interface.” Response to Arguments/Amendment 5. Applicant’s arguments with respect to claims 1-20 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. Claim Rejections - 35 USC § 101 Claims 1-20 are eligible because the claims recite significantly more than the abstract idea and integrate the abstract idea into a practical application, specially the limitations “displaying the plurality of KPI values on a user interface, allowing a user to interact with the displayed plurality of KPI values; based on the interaction of the user, determining a maximum frequency of interaction of the user with a KPI value associated with a specific characteristic; automatically locating/relocating the KPI value associated with the maximum frequency of interaction on top of other KPI values associated with the same characteristic on the user interface; generating an inference based on the located KPI value associated with the maximum frequency of interaction; generating a recommendation associated with the inference; and displaying the recommendation on the user interface including automatically arranging the recommendation on the user interface based on the inference”, provide technological improvements to the user interface by automatically locating/relocating the KPI value associated with the maximum frequency of interaction on top of other KPI values associated with the same characteristic on the user interface. Therefore, the claims are eligible. Accordingly, the 101 rejection has been withdrawn. Conclusion 6. Applicant's amendment necessitated the new ground(s) of rejection presented in this Office action. Accordingly, THIS ACTION IS MADE FINAL. See MPEP § 706.07(a). Applicant is reminded of the extension of time policy as set forth in 37 CFR 1.136(a). A shortened statutory period for reply to this final action is set to expire THREE MONTHS from the mailing date of this action. In the event a first reply is filed within TWO MONTHS of the mailing date of this final action and the advisory action is not mailed until after the end of the THREE-MONTH shortened statutory period, then the shortened statutory period will expire on the date the advisory action is mailed, and any extension fee pursuant to 37 CFR 1.136(a) will be calculated from the mailing date of the advisory action. In no event, however, will the statutory period for reply expire later than SIX MONTHS from the date of this final action. 7. Claims 1-20 are rejected. 8. The prior arts made of record and not relied upon are considered pertinent to applicant's disclosure: Schuetter et al. (US 2011/0125630) disclose a method and system for updating the location of a cursor in a display window on a trading screen when certain events occurs. Messina et al. (US 2011/0093374) disclose various systems and methods for presenting and interacting with electronic trading related information on a display screen of a computer system. Rutt et al. (US 2008/0275809) disclose a system and method of providing an on screen window having a price held for further transactions on an interface for traders of financial instruments. 9. Any inquiry concerning this communication or earlier communications from the examiner should be directed to examiner NGA B NGUYEN whose telephone number is (571) 272-6796. The examiner can normally be reached on Monday-Friday 7AM-5PM. 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, Beth Boswell can be reached on (571) 272-6737. 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 http://pair-direct.uspto.gov. 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. /NGA B NGUYEN/Primary Examiner, Art Unit 3625 January 9, 2026
Read full office action

Prosecution Timeline

Show 2 earlier events
Oct 02, 2025
Interview Requested
Nov 05, 2025
Examiner Interview Summary
Nov 05, 2025
Applicant Interview (Telephonic)
Nov 12, 2025
Response Filed
Jan 14, 2026
Final Rejection mailed — §101, §112
Mar 24, 2026
Response after Non-Final Action
Apr 14, 2026
Request for Continued Examination
Apr 23, 2026
Response after Non-Final Action

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

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Prosecution Projections

2-3
Expected OA Rounds
53%
Grant Probability
78%
With Interview (+24.9%)
3y 10m (~1y 6m remaining)
Median Time to Grant
Moderate
PTA Risk
Based on 697 resolved cases by this examiner. Grant probability derived from career allowance rate.

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