Prosecution Insights
Last updated: October 02, 2026
Application No. 18/451,487

PAYMENT METHOD AND SYSTEM FOR PURCHASING DIGITAL CURRENCY

Non-Final OA §101§103
Filed
Aug 17, 2023
Priority
Feb 17, 2021 — RE 10-2021-0021469 +1 more
Examiner
PARK, YONG S
Art Unit
3694
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Naver Webtoon Ltd.
OA Round
5 (Non-Final)
26%
Grant Probability
At Risk
5-6
OA Rounds
5m
Est. Remaining
38%
With Interview

Examiner Intelligence

Grants only 26% of cases
26%
Career Allowance Rate
60 granted / 231 resolved
-26.0% vs TC avg
Moderate +12% lift
Without
With
+11.5%
Interview Lift
resolved cases with interview
Typical timeline
3y 6m
Avg Prosecution
32 currently pending
Career history
270
Total Applications
across all art units

Statute-Specific Performance

§101
45.7%
+5.7% vs TC avg
§103
37.3%
-2.7% vs TC avg
§102
4.8%
-35.2% vs TC avg
§112
11.1%
-28.9% vs TC avg
Black line = Tech Center average estimate • Based on career data from 231 resolved cases

Office Action

§101 §103
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 . Status of Claims This action is in reply to the amendment filed 03/23/2026. Claims 1, 18 and 19 have been amended and claim 2 is canceled. Claims 1 and 3-19 are pending and have been examined on the merits (claims 1, 18, and 19 being independent). The amendment filed 03/23/2026 to the claims has been entered. Response to Arguments Applicant’s arguments and amendments filed 03/23/2026 have been fully considered. Applicants assert that the pending claims fully comply with the requirement of 35 U.S.C. 101. Examiner respectfully disagrees. Applicant’s argument and amendments have been considered and are not persuasive. The rejections under 35 U.S.C. 101 have been maintained and clarified in view of the USPTO MPEP 2106. Applicant’s arguments (see Applicant’s remark, pages 14-15): (1) Applicant’s arguments that “Applicant submits that the above technical features in the amended claims, among others, do not fall within the asserted abstract idea of "methods of organizing human activity," nor the abstract idea of "fundamental economic principles and practices and commercial or legal interactions."” (see page 14), are not found persuasive. In response (1): In the instant application, as set forth in previous Office Action, under Step 2 A, Prong 1 of the 2019 Revised § 101 Guidance, it is determined whether the claims are directed to a judicial exception such as a law of nature, a natural phenomenon, or an abstract idea (See Alice, 134 S. Ct. at 2355) by identify the specific limitation(s) in the claim that recites abstract idea(s); and then determine whether the identified limitation(s) falls within at least one of the groupings of abstract ideas enumerated in the MPEP 2106.04. The cited limitations as drafted are systems and methods that, under their broadest reasonable interpretation, covers performance of a method of organizing human activity, but for the recitation of the generic computer components. Further, none of the limitations recite technological implementations details for any of the steps but, instead, only recite broad functional language being performed by the generic use of at least one processor/other computer components. Providing an option to select one of multiple payment types using digital money for purchasing products and services is a fundamental economic practice long prevalent in commerce systems. If a claim limitation, under its broadest reasonable interpretation, covers a fundamental economic principle or practice but for the general linking to a technological environment, then it falls within the organizing human activity grouping of abstract ideas. Therefore, Applicant’s arguments are not persuasive. (2) Applicant’s arguments that “the amended claims define a particular server-terminal architecture for automatic payment detection, which provides a technical improvement to the functioning of the computer itself.” (see page 15), are not found persuasive. In response (2): In the instant application, Examiner considers the instant claims do not integrate the exception into a practical application because additional elements: 1) “by at least one processor”, “server”, “over the network”, and “user electronic device” amount to simply applying the abstract idea to a computer component (e.g. “apply it”) 2) “graphic user interface” also amounts to simply applying the abstract idea to a generic computer component and client combination, or generically over the internet. (e.g. “apply it” or the equivalent) do not apply, rely on, or use the judicial exception in a manner that that imposes a meaningful limitation on the judicial exception (i.e. generally linking the use of the judicial exception to a particular technological environment or field of use - see MPEP 2106.05(h) or apply it with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f)). The instant recited claims including additional elements (i.e. processor, electronic payment process, communication unit, controller, program, computer, graphic user interface, server, over the network, the user electronic device) do not improve the functioning of the computer or improve another technology or technical field nor do they recite meaningful limitations beyond generally linking the use of an abstract idea to a particular technological environment. Therefore, Applicant’s arguments are not persuasive. (3) Applicant’s arguments that “Further, these additional technical features, at least, provide "significantly more" than the asserted abstract idea under step two of the Alice test and Step 2B of the Patent Office's Guidelines.” (see page 15), are not found persuasive. In response (3): In the instant application, Examiner considers the claims do not include additional elements that are sufficient to amount to significantly more than the judicial exception. As discussed above with respect to integration of the abstract idea into a practical application, the additional elements (Claims: e.g., processor, electronic payment process, communication unit, controller, program, computer, graphic user interface, server, over the network, the user electronic device) amount to no more than mere instructions to apply the exactly using generic computer component. The claim elements when considered separately and in an ordered combination, do not add significantly more than implementing the abstract idea. Therefore, Applicant’s arguments are not persuasive. With regard to the rejections of claims 1 and 3-19 under 35 U.S.C. 103, Applicant’s arguments and amendments have been considered but are not persuasive and Examiner respectfully disagrees. Examiner notes that Applicant is arguing newly amended claim language. As noted in the citation above the prior art and it is addressed by the rejections under 35 USC 103. Claim Rejections - 35 USC § 101 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. Claims 1 and 3-19 are rejected under 35 U.S.C. 101 because the claimed invention is directed to non-statutory subject matter without significantly more. When considering subject matter eligibility under 35 U.S.C. 101, (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. If the claim does fall within one of the statutory categories, (2a) it must then be determined whether the claim is directed to a judicial exception (i.e., law of nature, natural phenomenon, and abstract idea), and if so (2b), it must additionally be determined whether the claim is a patent-eligible application of the exception. If an abstract idea is present in the claim, any element or combination of elements in the claim must be sufficient to ensure that the claim amounts to significantly more than the abstract idea itself. Examples of abstract ideas include fundamental economic practices; certain methods of organizing human activities; an idea itself; and mathematical relationships/formulas. Alice Corporation Pty. Ltd. v. CLS Bank International, et al., 573 U.S. (2014). The claimed invention is directed to a judicial exception (i.e. a law of nature, a natural phenomenon, or an abstract idea) without significantly more. In the instant case, the claim(s) as a whole, considering all claim elements both individually and in combination, do not amount to significantly more than an abstract idea. Step (1): In the instant case, the claims are directed towards to a method for providing an option to select one of multiple payment types using digital money for purchasing products and services which contains the steps of providing, receiving, registering, and starting. The claim recites a series of steps and, therefore, is a process. The claims do fall within at least one of the four categories of patent eligible subject matter because claim 1 is direct to a method, claim 18 is direct to a system, and claim 19 is direct to a non-transitory computer readable medium, i.e. machines programmed to carrying out process steps, Step 1-yes. Step (2A) Prong 1: A method for providing an option to select one of multiple payment types using digital money for purchasing products and services is akin to the abstract idea subject matter grouping of: Certain Methods of Organizing Human Activity as fundamental economic principles or practices and commercial or legal interactions. As such, the claims include an abstract idea. The specific limitations of the invention are (a) identified to encompass the abstract idea include: { …purchase of digital currency used to view contents in a user environment…, providing, …. a plurality of different payment types for a common digital currency … for display in the user environment ….., the plurality of different payment types being displayed on a charging registration page in the user environment ….. each of the plurality of different payment types being for an automatic payment method; receiving, …., selection information for selecting a specific payment type among the plurality of different payment types for the common digital currency, in relation to a user account, wherein receiving selection information comprises receiving a selection by a user …. by the user interacting …. the user environment …..; providing, …., an updated charging registration page in the user environment …. allow input of a payment condition corresponding to the specific payment type to initiate an electronic payment process, wherein the payment condition includes at least one of a minimum amount of the common digital currency required to initiate the electronic payment process and a date required to initiate an the electronic payment process; receiving an input payment condition …. from the user by the user interacting with the updated charging registration page …. corresponding to the selected specific payment type; registering, …. with the user account, the payment condition corresponding to the specific payment type to the user account by using the received selection information and the input payment condition; after said registering, starting, …., the electronic payment process to automatically purchase the digital currency for the user account in response to an occurrence of a payment event related to the registered payment condition at the user account, wherein the user environment is provided with the contents ……., further comprising monitoring, ….., whether the payment event which satisfies the payment condition occurs at the user account, wherein in the starting of the electronic payment process, the payment process is started whenever the payment event which satisfies the payment condition occurs at the user account as a monitoring result, wherein the occurrence of the payment event is detected by ….. by continuously monitoring, without a request from the user, whether the payment event which satisfies the payment condition registered …. occurs at the user account.} As stated above, this abstract idea falls into the (b) subject matter grouping of: Certain Methods of Organizing Human Activity as fundamental economic principles or practices and commercial or legal interactions providing an option to select one of payment types using digital money for purchasing products and services such as listening to music or video contents viewing. Step (2A) Prong 2: The instant claims do not integrate the exception into a practical application because additional elements: 1) “by at least one processor”, “server”, “over the network”, and “user electronic device” amount to simply applying the abstract idea to a computer component (e.g. “apply it”) 2) “graphic user interface” also amounts to simply applying the abstract idea to a generic computer component and client combination, or generically over the internet. (e.g. “apply it” or the equivalent) do not apply, rely on, or use the judicial exception in a manner that that imposes a meaningful limitation on the judicial exception (i.e. generally linking the use of the judicial exception to a particular technological environment or field of use - see MPEP 2106.05(h) or apply it with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f)). The instant recited claims including additional elements (i.e. processor, electronic payment process, communication unit, controller, program, computer, graphic user interface, server, over the network, the user electronic device) do not improve the functioning of the computer or improve another technology or technical field nor do they recite meaningful limitations beyond generally linking the use of an abstract idea to a particular technological environment. The limitations merely use a generic computing technology (Specification paragraphs [0093-0096], a communication unit, a storage unit, a controller, electronic device (e.g., a portable phone, a smart phone, a notebook computer, a desktop computer, a wearable device), wireless communications, contents server, contents database) as generally linking the use of the judicial exception to a particular technological environment or field of use - see MPEP 2106.05(h) or apply it with the judicial exception, or mere instructions to implement an abstract idea on a computer, or merely uses a computer as a tool to perform an abstract idea - see MPEP 2106.05(f)). Therefore, the claims are directed to an abstract idea Step (2B): The claims do not include additional elements that are sufficient to amount to significantly more than the judicial exception. As discussed above with respect to integration of the abstract idea into a practical application, the additional elements (Claims: e.g., processor, electronic payment process, communication unit, controller, program, computer, graphic user interface, server, over the network, the user electronic device) amount to no more than mere instructions to apply the exactly using generic computer component. The claim elements when considered separately and in an ordered combination, do not add significantly more than implementing the abstract idea over. The computer is merely a platform on which the abstract idea is implemented. Simply executing an abstract concept on a computer does not render a computer “specialized,” nor does it transform a patent-ineligible claim into a patent-eligible one. See Bancorp Servs., LLC v. Sun Life Assurance Co. of Can., 687 F.3d 1266, 1280 (Fed. Cir. 2012). There are no improvements to another technology or technical field, no improvements to the functioning of the computer itself, transformation or reduction of a particular article to a different state or thing or any other meaningful limitations beyond generally linking the use of an abstract idea to a particular technological environment as a result of performing the claimed method. Also, the addition of merely novel or non-routine components to the claimed idea does not necessarily turn an abstraction into something concrete (See Ultramercial, Inc. v. Hulu, LLC, _ F.3d_, 2014 WL 5904902, (Fed. Cir. Nov. 14, 2014). Hence, the claims do not recite significantly more than an abstract idea. In conclusion, merely “linking/applying” the exception using generic computer components does not constitute ‘significantly more’ than the abstract idea. (MPEP 2106.05 (f)(h)). Therefore, the claims are not patent eligible under 35 USC 101. Dependent claims 3-17 when analyzed as a whole and in an ordered combination are held to be patent ineligible under 35 U.S.C. 101 because the additional recited limitation(s) fail(s) to establish that the claim(s) is/are not directed to an abstract idea, as detailed below. The additional recited limitations in the dependent claims only refine the abstract idea. For instance, in claim 3, the step of “… receiving amount information to specify a purchase amount of the digital currency, with respect to the user account, wherein in the starting of the electronic payment process,….” (i.e., receiving a purchase amount), in claim 4, the step of “… supplying the digital currency as much as the specified purchase amount to the user account, based on completion of the electronic payment process, ...” (i.e., buying digital currency), in claim 5, the step of “… wherein the additional amount of the digital currency supplied to the user account….” (i.e., buying additional digital currency), in claim 6, the step of “… checking a payment history related to the user account based on completion of the electronic payment process,…..” (i.e., checking payment history), in claim 7, the step of “… counting the number of times of completion of the electronic payment process based on an occurrence of the payment event,….” (i.e., counting a number of payments), in claim 8, the step of “… storing a payment history including the number of times that the electronic payment process has been completed at the user account, based on reception of a request to stop a purchase function of the digital currency….” (i.e., storing payment history), in claim 9, the step of “… wherein the payment process is not started even when the payment event which satisfies the payment condition occurs at the user account, after a time period from when the stop of the purchase function is requested.” (i.e., determining payment process), in claim 10, the step of “… releasing the stop of the purchase function with respect to the user account, after a preset time period from the time when the stop of the purchase function is requested,….” (i.e., determining on purchase function), in claim 11, the step of “… wherein the payment condition is differently set according to the specific payment type,...” (i.e., setting payment condition), in claim 12, the step of “… wherein a first payment type among the plurality of different payment types is a payment type where the payment event occurs on a basis of an amount of digital currency already retained at the user account,….” (i.e., providing payment types), in claim 13, the step of “… wherein in a case where the specific payment type is the first payment type, the registered payment condition is related to the minimum amount of the digital currency ….” (i.e., determining payment condition), in claim 14, the step of “… wherein in a case where the specific payment type is the second payment type, the registered payment condition is related to a date preset in connection with the user account,,,,.” (i.e., determining payment condition), in claim 15, the step of “… wherein the registered payment condition is changed based on a request from the user account, and wherein in a case where the registered payment condition is changed,….” (i.e., updating payment condition), in claim 16, the step of “… wherein the contents include at least one episode, and wherein each of the at least one episode has one of a charged product type which can be viewed through a payment of the digital currency….” (i.e., payment on product types), and in claim 17, the step of “… wherein a charged product type of a specific episode, among the at least one episode is converted into a free product type ...” (i.e., payment on product types) are all processes that, under its broadest reasonable interpretation, covers performance of a fundamental economic practice but for the recitation of a generic computer component. Providing a payment based on purchasing a product or service is a most fundamental commercial process. This is an abstract concept with nothing more and is also considered mere instructions to apply an exception akin to a commonplace business method or mathematical algorithm being applied on a general purpose computer, Alice Corp. Pty. Ltd.; Gottschalk and Versata Dev. Group, Inc.; see MPEP 2106.05(f)(2). In dependent claims 3-17, the step claimed are rejected under the same analysis and rationale as the independent claims 1, 8, and 19 above. Merely claiming the same process using a digital currency (e.g., a token) as a payment method in order to obtain a product or a service does not change the abstract idea without an inventive concept or significantly more. Clearly, the additional recited limitations in the dependent claims only refine the abstract idea further. Further refinement of an abstract idea does not convert an abstract idea into something concrete. Therefore, claims 1 and 3-19 are rejected under 35 U.S.C. 101 as being directed to non-statutory subject matter. Claim Rejections - 35 USC § 103 In the event the determination of the status of the application as subject to AIA 35 U.S.C. 102 and 103 (or as subject to pre-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. In the rejections below, where claims are currently amended, this is indicated by underlining. Claims 1, 3, 11-16, and 18-19 are rejected under 35 U.S.C. 103 as being unpatentable over Shea et al. (hereinafter Shea), US Publication Number 2007/0215690 A1 in view of Takahashi Hiroshi et al. (hereinafter Takahashi), Publication Number JP 2019-74983 A. Regarding claim 1: Shea discloses the following: An electronic payment method, performed by at least one processor, for purchase of digital currency used to view contents in a user environment on a user electronic device, comprising: (Shea: See abstract and paragraph [0014] “the present invention include, but are not limited to, the creation of an economy of digital currency and/or tokens hosted on a server accessible via a wide area network such as the Internet. These digital tokens may be used by end users to acquire licenses to access a given media content, e.g., a game, without having to purchase consumption rights for the media content out right”, and see also [0059-0066]) providing, by a controller of an electronic payment system on a server, a plurality of different payment types (reads on “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account” and “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”) for a common digital currency over a network for display in the user environment via a graphic user interface of the user electronic device, the plurality of different payment types being displayed on a charging registration page in the user environment of the user electronic device as respectively [……………..], each of the plurality of different payment types being for an automatic payment method; (Shea: See paragraphs [0039-0043] and [0059-0064], and Notes: The recited claim “automatic payment method” reads on “Recurring Payment” and “On Demand” as payment types or methods, and the recited claim “via a graphic user interface of the user electronic device” reads on paragraphs [0059-0064].) receiving, via the network, selection information (reads on “providing end users with digital tokens using the “Recurring Payment” and “On Demand” payment schemes listed above in addition to others.’) for selecting a specific payment type among the plurality of different payment types (reads on “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account” and “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”) for the common digital currency (reads on “digital tokens”), in relation to a user account, wherein receiving selection information comprises receiving a selection by a user of one of [ ……………….. ] in the user environment on the user electronic device; (Shea: See paragraphs [0039-0043], and see also [0059-0064]) providing, via the network, [………………] in the user environment on the user electronic device to allow input of a payment condition corresponding to the specific payment type to initiate an electronic payment process, wherein the payment condition includes at least one of a minimum amount of the common digital currency required (reads on “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”) to initiate the electronic payment process and a date required (reads on “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account”) to initiate an the electronic payment process; (Shea: See paragraphs [0039-0043], and see also [0059-0064], and Notes: Examiner considers that Shea discloses the graphical user interface to manage the digital token account or otherwise replenish their digital tokens, but not explicitly discloses “an updated charging registration page”. However, in view of Takahashi, the mended claim “an updated charging registration page” is further disclosed in page 13.) registering (reads on “End users, as alluded to earlier, may acquire digital tokens from a variety of sources. In various embodiments, a licensing server may be equipped with payment handling logic to allow the user to purchase tokens via a real world payment mechanism such as, for example, credit card, check, cash or other real world payment mechanism.”), in a storage in the electronic payment system on the server associated with the user account, the payment condition (reads on “the present invention including providing end users with digital tokens using the “Recurring Payment” and “On Demand” payment schemes listed above in addition to others”) corresponding to the specific payment type to the user account by using the received selection information and the input payment condition; and (Shea: See paragraphs [0039-0043], and Notes: the end users may select one of the payment method received as the selection information and the payment condition) after said registering, starting (reads on “providing end users with digital tokens using the “Recurring Payment” and “On Demand payment schemes listed above in addition to others. In various embodiments, digital currency server watchdog module 301 disposed within or associated with a licensing server (not shown), may be a software process that automatically runs and monitors the balance of accounts in the digital token system stored on digital currency server 303. Each user account may be credited digital tokens and their payment method on file charged via payment gateway 305”), via the electronic payment system on the server, the electronic payment process to automatically purchase the digital currency for the user account in response to an occurrence of a payment event (reads on “When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”) related to the registered payment condition at the user account, wherein the user environment is provided with the contents over the network from a contents server controlled by the electronic payment system, (Shea: See paragraph [0039-0043], and see also [0059-0064]) further comprising monitoring (reads on “the present invention including providing end users with digital tokens using the “Recurring Payment” and “On Demand payment schemes listed above in addition to others. In various embodiments, digital currency server watchdog module 301 disposed within or associated with a licensing server (not shown), may be a software process that automatically runs and monitors the balance of accounts in the digital token system stored on digital currency server 303. Each user account may be credited digital tokens and their payment method on file charged via payment gateway 305”), by the electronic payment system on the server, whether the payment event which satisfies the payment condition occurs at the user account, wherein in the starting of the electronic payment process, the payment process is started whenever the payment event which satisfies the payment condition occurs at the user account as a monitoring result, (Shea: See paragraphs [0039-0043], and see also [0036]) wherein the occurrence of the payment event is detected by the controller of the electronic payment system on the server by continuously monitoring, without a request from the user, whether the payment event which satisfies the payment condition registered in the storage of the electronic payment system occurs at the user account. (Shea: See paragraph [0036] “client side module 215 may be further equipped to monitor to determine whether end user device 201 is online. On determining that it is, client side module 215 may further determine whether the amount of digital tokens cached on end user device 201 has fallen below a predetermined threshold. If the amount of digital tokens cached on end user device 201 is determined to have fallen below the predetermined threshold, client side module 215 may send a pre-request to server side module 209 of license server 203 to pre-check out an amount of the user's digital tokens from digital currency server 205, and re-fill the digital token cache on end user device 201. In other embodiments, client side module 215 may request digital tokens from server side module 209 upon the explicit direction of the user. This request may be made via an interface or process on end user device 201. In embodiments, this interface may be, for example, a graphical user interface or other interface.”, and see also [0039-0043]) Shea does not explicitly disclose the following, however Takahashi further teaches: Examiner notes: Shea provides one more buttons to select on a user graphical user interface and the button that takes a user to a different set of end user interfaces to manage the digital token account as interacting with the graphic objects by a user, and further provides different payment types (i.e., “recurring payment”, “on demand”, and “on time purchase”) to the end users for purchasing a digital currency to access the content (see paragraphs [0039-0043] and [0059-0064]). But, Shea does not explicitly disclose “selectable graphic objects in a graphic user interface” for the payment type. Takahashi further teaches. receiving an input payment condition via the network from the user by the user interacting with the updated charging registration page on the user electronic device corresponding to the selected specific payment type; (Takahashi: see page 14, lines 29-36 “The auto charge setting screen 700 is a screen for performing an auto charge setting for the electronic money selected on the electronic money selection screen 660 (see FIG. 19) described above. The auto charge setting screen 700 sets a setting area 701 for setting an auto charge amount from salary, a setting area 702 for setting an upper limit number of times of auto charge from salary, and an auto charge amount from bonus setting area 704, a setting area 705 for setting the upper limit number of times of auto charging from a bonus, and a confirmation button 710”, and see also the pages 5 and 13 disclose the mended claim “updated charging registration page”. For example, it reads on “The change content confirmation screen 620 is a screen for confirming the estimated charge amount after the change set on the above described auto charge setting screen 600 (see FIG. 16). In the example of FIG. 17, the planned charging amount for “electronic money A” is changed from 10000 yen to 30000 yen. With this change, the total amount deducted from salary has also been changed from 45,000 yen to 65,000 yen”) “selectable graphic objects in the graphic user interface”, “the displayed graphic objects by the user interacting with the selectable graphic objects”, and “an updated charging registration page” (Takahashi: see page 14, lines 29-36 “The auto charge setting screen 700 is a screen for performing an auto charge setting for the electronic money selected on the electronic money selection screen 660 (see FIG. 19) described above. The auto charge setting screen 700 sets a setting area 701 for setting an auto charge amount from salary, a setting area 702 for setting an upper limit number of times of auto charge from salary, and an auto charge amount from bonus setting area 704, a setting area 705 for setting the upper limit number of times of auto charging from a bonus, and a confirmation button 710”, and Examiner considers that Shea discloses the graphical user interface to manage the digital token account or otherwise replenish their digital tokens, but not explicitly discloses “an updated charging registration page”. However, in view of Takahashi, the amended claim “an updated charging registration page” is further disclosed in page 13, and see also figs. 19-21) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include selecting one of displayed graphic objects in the graphic user interface by a user , as taught by Takahashi, in order to provide easier interface to the user. (Takahashi: See pages 11-14) Regarding claim 3: Shea discloses the following: The method of claim 1, further comprising receiving amount information to specify a purchase amount of the digital currency, with respect to the user account, wherein in the starting of the electronic payment process, whenever the payment event occurs, a price corresponding to the amount information is specified as a payment object price to be paid through the electronic payment process, by using the amount information. (Shea: See paragraphs [0040] “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account” and [0041] “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”, and see also [0039]) Regarding claim 11: Shea discloses the following: The method of claim 1, wherein the payment condition is differently set according to the specific payment type, among the plurality of different payment types. (Shea: See paragraphs [0040] “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account”, [0041] “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”, and [0042] “One Time Purchase: The user pays $F dollars to received G digital tokens in their account.”, and see also [0039]) Regarding claim 12: Shea discloses the following: The method of claim 11, wherein a first payment type (reads on “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”) among the plurality of different payment types is a payment type where the payment event occurs on a basis of an amount of digital currency already retained at the user account, and wherein a second payment type (reads on “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account”) among the plurality of different payment types, different from the first payment type, is a payment type where the payment event occurs on a basis of the date. (Shea: See paragraphs [0039-0044]) Regarding claim 13: Shea discloses the following: The method of claim 12, wherein in a case where the specific payment type is the first payment type (reads on “On Demand: When a user's account is below a threshold of digital tokens, they are automatically charged $A dollars to receive B digital tokens in their account.”), the registered payment condition is related to the minimum amount of the digital currency required to initiate the electronic payment process from the input payment condition, and wherein in the monitoring of the payment event, it is determined that the payment event has occurred when an amount of the digital currency retained at the user account does not satisfy the minimum amount of the digital currency required to initiate the electronic payment process. (Shea: See paragraphs [0039-0044]) Regarding claim 14: Shea discloses the following: The method of claim 12, wherein in a case where the specific payment type is the second payment type (reads on “Recurring Payment: Every X days (e.g., 30 days), the user is charged $Y dollars to received Z digital tokens in their account”), the registered payment condition is related to the date preset in connection with the user account from the input payment condition, and wherein in the monitoring of the payment event, it is determined that the payment event has occurred in a case where a current date when the monitoring is being performed corresponds to the preset date. (Shea: See paragraphs [0039-0044]) Regarding claim 15: Shea discloses the following: The method of claim 1, wherein the registered payment condition is changed based on a request from the user account, and wherein in a case where the registered payment condition is changed, in the monitoring of the payment event, it is monitored whether a payment event which satisfies the changed payment condition occurs at the user account. (Shea: See paragraph [0044] “Watchdog 301 may query digital currency server 303 for all accounts that require processing. In response, digital currency server 303 may respond with a list of all such accounts. This list may be created by determining if any of the accounts stored within digital currency server 303 satisfy an account condition. For example, in regards to user accounts identified as recurring payment accounts, the condition to be satisfied may be that the current date is a predetermined date or that a pre-determined amount of time has passed since the most recent processing (such as, for example, between 1 and 40 days, especially 30 days). In embodiments, for accounts identified as on-demand accounts the condition to be satisfied may be that token balances have fallen below a predetermined threshold level. In other embodiments, other conditions may be used and the scope of this disclosure is not meant to be limited in any way by these two example conditions.”, and see also [0056]) Regarding claim 16: Shea discloses the following: The method of claim 1, wherein the contents include at least one episode, and wherein each of the at least one episode has one of a charged product type which can be viewed through a payment of the digital currency, and (Shea: See paragraph [0032] “The user may alternatively choose to pay for the session with their tokens and bypass the display of advertisements before, during and/or after the session of play.”) a free product type which can be viewed without a payment of the digital currency. (Shea: See paragraph [0032] “game launcher 109 may offer the user a choice of viewing advertising prior to gameplay. If the user chooses to view an advertisement, this may be in lieu of payment of tokens from the user's account.”) Regarding claims 18 and 19: it is similar scope to claim 1, and thus it is rejected under similar rationale. Claims 4-7 are rejected under 35 U.S.C. 103 as being unpatentable over Shea in view of Takahashi in further view of Kodera Nobuhiro (hereinafter Kodera), Publication Number JP 2011022791 A. Regarding claim 4: Shea and Takahashi do not explicitly disclose the following, however Kodera further teaches: The method of claim 3, further comprising supplying the digital currency as much as the specified purchase amount to the user account, based on completion of the electronic payment process, wherein in the supplying of the digital currency, an additional amount of the digital currency besides the specified purchase amount is supplied based on the number of times that the electronic payment process has been completed. (Kodera: See page 8, lines 14-19: “When the entire purchase history data is updated, it is confirmed whether the total purchase history of each customer's vending machine group 12 has reached the predetermined number of times, and a gift for the entire purchase history is given to the customer who has reached the predetermined number of times. Points that can be exchanged are given, recorded as point information for the entire purchase history in the recording device 43, and the process ends (steps S16 to S18). In addition, a privilege may be sent by mail such as a prize instead of a point, or the next time a product is purchased at any of the vending machines 11 in the vending machine group 12, a discount is given according to the points. Etc. may be provided.”, and Notes: Examiner consider that he combination of Shea and Kodera teach the recited claim above as modifying for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition of Shea to include providing extra points (i.e. “additional amount” as recited) when the total purchase history data reaches a predetermined number of times, as taught by Kodera.) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include giving points as a privilege when the total purchase history data purchased by the recorded customers for the entire vending machine group reaches a predetermined number of times, as taught by Kodera, in order to provide more options to obtain a benefit. (Kodera: See page 8) Regarding claim 5: Shea discloses the following: The method of claim 4, wherein the additional amount of the digital currency supplied to the user account becomes different according to a degree of the specified purchase amount. (Shea: See paragraph [0049] “An advertiser may give an end user digital tokens after he/she watches a given ad. An advertiser may give the user a chance to win digital tokens.”, and see also [0050-0051], and Notes: Examiner consider that the recited claim above do not require to suggest awarding currency when a payment event is automatically detected by a server and an automatic payment process is started as argued.) Regarding claim 6: Shea and Takahashi do not explicitly disclose the following, however Kodera further teaches: The method of claim 4, further comprising checking a payment history related to the user account based on completion of the electronic payment process, wherein when the number of times that the electronic payment process has been completed at the user account is one as a check result of the payment history, the additional amount of the digital currency is supplied to the user account. (Kodera: See page 8, lines 14-19: “When the entire purchase history data is updated, it is confirmed whether the total purchase history of each customer's vending machine group 12 has reached the predetermined number of times, and a gift for the entire purchase history is given to the customer who has reached the predetermined number of times. Points that can be exchanged are given, recorded as point information for the entire purchase history in the recording device 43, and the process ends (steps S16 to S18). In addition, a privilege may be sent by mail such as a prize instead of a point, or the next time a product is purchased at any of the vending machines 11 in the vending machine group 12, a discount is given according to the points. Etc. may be provided.”) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include giving points as a privilege when the total purchase history data purchased by the recorded customers for the entire vending machine group reaches a predetermined number of times, as taught by Kodera, in order to provide more options to obtain a benefit. (Kodera: See page 8) Regarding claim 7: Shea and Takahashi do not explicitly disclose the following, however Kodera further teaches: The method of claim 4, further comprising counting the number of times of completion of the electronic payment process based on an occurrence of the payment event, wherein the additional amount of the digital currency is supplied at every preset specific number of times based on a result of the counting. (Kodera: See page 9, lines 1-11: “Upon receiving the latest individual purchase history data from the vending machine 11, the management center 13 updates the individual purchase history data and updates the entire purchase history data based on the individual purchase history data (steps S22 and S23). Furthermore, it is confirmed whether the updated total purchase history data has reached a predetermined number of times set in advance (step S24), and if it is the predetermined number of times, points that can be exchanged as a privilege for the entire purchase history are given Then, it is recorded in the recording device 43 as point information for the entire purchase history, and the process ends (steps S25 and S26).”) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include giving points as a privilege when the total purchase history data purchased by the recorded customers for the entire vending machine group reaches a predetermined number of times, as taught by Kodera, in order to provide more options to obtain a benefit. (Kodera: See page 8) Claims 8-10 are rejected under 35 U.S.C. 103 as being unpatentable over Shea in view of Takahashi in view of Kodera in further view of Asada Junji (hereinafter Asada), Publication Number JP 2014074968 A. Regarding claim 8: Shea, Takahashi, and Kodera do not explicitly disclose the following, however Asada further teaches: The method of claim 7, further comprising storing a payment history including the number of times that the electronic payment process has been completed at the user account, based on reception of a request to stop a purchase function of the digital currency, the function for starting the payment process according to the payment event for the user account. (Asada: See page 10, lines 24-28: “When the charge execution unit 24 is requested to stop the charge process from the user device, the charge execution unit 24 stops the charge process for the user device. In addition, when the stop period is specified together with the stop request, the charge execution unit 24 stops the charge process for the user device only during the stop period. When the charge processing is stopped, if the service provision amount is larger than the balance and the service cannot be provided without charging, the charge processing is executed only when the user is instructed and an instruction to cancel the suspension is issued.”) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include stopping the charge process for the user device only during the stop period based on a user’s request, as taught by Asada, in order to provide more options for a payment process. (Asada: See page 10) Regarding claim 9: Shea, Takahashi, and Kodera do not explicitly disclose the following, however Asada further teaches: The method of claim 8, wherein the payment process is not started even when the payment event which satisfies the payment condition occurs at the user account, after a time period from when the stop of the purchase function is requested. (Asada: See page 10, lines 24-26: “When the charge execution unit 24 is requested to stop the charge process from the user device, the charge execution unit 24 stops the charge process for the user device. In addition, when the stop period is specified together with the stop request, the charge execution unit 24 stops the charge process for the user device only during the stop period.”) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include stopping the charge process for the user device only during the stop period based on a user’s request, as taught by Asada, in order to provide more options for a payment process. (Asada: See page 10) Regarding claim 10: Shea discloses the following: The method of claim 8, further comprising releasing the stop of the purchase function with respect to the user account, after a preset time period from the time when the stop of the purchase function is requested, wherein in the monitoring of the payment event, it is monitored whether a payment event which satisfies the payment condition has occurred at the user account after the stop of the purchase function is released. (Shea: See paragraphs [0044] “Watchdog 301 may query digital currency server 303 for all accounts that require processing. In response, digital currency server 303 may respond with a list of all such accounts. This list may be created by determining if any of the accounts stored within digital currency server 303 satisfy an account condition. For example, in regards to user accounts identified as recurring payment accounts, the condition to be satisfied may be that the current date is a predetermined date or that a pre-determined amount of time has passed since the most recent processing (such as, for example, between 1 and 40 days, especially 30 days).) Claim 17 is rejected under 35 U.S.C. 103 as being unpatentable over Shea in view of Takahashi in further view of Watanabe Yoichiro (hereinafter Watanabe), Publication Number JP 2016126408 A. Regarding claim 17: Shea and Takahashi do not explicitly disclose the following, however Watanabe further teaches: The method of claim 16, wherein a charged product type of a specific episode, among the at least one episode is converted into a free product type based on lapse of a preset time. (Watanabe: See page 3, lines 17-19: “The profit setting unit 32 sets a larger profit amount in the period set by the period setting unit 30 in the period closer to the content release time point. For example, when three periods are set as in the above example, 10 yen is set for the first period, 5 yen is set for the second period, and 0 yen is set for the third period.”, and see also page 11, lines 19-23) It would have been obvious to one of ordinary skill in the art as of the effective filing date of the claimed invention to modify a method for automatically crediting a user account associated with a user by a certain number of digital tokens if the user account satisfies a condition upon querying the user account of Shea to include a larger profit amount in the period set by the period setting unit in the period closer to the content release time point, as taught by Watanabe, in order to provide more options for accessing a content. (Watanabe: See pages 3 and 11) Conclusion The prior art made of record but not relied upon herein but pertinent to Applicant’s disclosure is listed in the enclosed PTO-892. 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 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 mailing date of this final action. Any inquiry concerning this communication or earlier communications from the examiner should be directed to YONG S PARK whose telephone number is (571)272-8349. The examiner can normally be reached on M-F 9:00-5:00 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, Bennett M. Sigmond can be reached on (303)297-4411. 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. /YONGSIK PARK/Examiner, Art Unit 3694 April 24, 2026 /BENNETT M SIGMOND/Supervisory Patent Examiner, Art Unit 3694
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Prosecution Timeline

Show 10 earlier events
Mar 23, 2026
Response Filed
Mar 25, 2026
Interview Requested
Apr 07, 2026
Applicant Interview (Telephonic)
Apr 07, 2026
Examiner Interview Summary
Apr 29, 2026
Final Rejection mailed — §101, §103
Jul 29, 2026
Request for Continued Examination
Jul 31, 2026
Response after Non-Final Action
Sep 29, 2026
Non-Final Rejection mailed — §101, §103 (current)

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38%
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3y 6m (~5m remaining)
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