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 .
Claim Rejections - 35 USC § 103
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.
Claim(s) 1-8, 10-17, 19 is/are rejected under 35 U.S.C. 103 as being unpatentable over Bankeria (US 20210342816) in view of Adams (US 20070152035)
Bankeria discloses
1. A method comprising:
identifying when a timer associated with a contactless card expires (par. 48);
after the timer has expired, locking the contactless card (i.e. par. 48-50: a re-lock setting in which the card is re-locked (or transition to a default state ( e.g., a complete or a partial lock for some transactions) after an unlock duration, such as after one of the foregoing user preference time settings, after a default time setting, after the number of transaction or another setting));
receiving, via a short-range communication antenna of a mobile device, a cryptogram from the contactless card when a user of the contactless card is logged into a mobile application associated with the contactless card (par. 20: account authentication app 143 is considered as the mobile application associated with the card), the short-range communication antenna being disabled from receiving the cryptogram unless the user of the contactless card is logged into the mobile application associated with the contactless card (par. 20-21, 29-31: after the mobile’s authentication app 143 and lock-unlock app 144 are launched, which requires a username and password for activation, the unlocked card sends an encrypted data 190 to the mobile’s authentication app 143 for authentication and unlocking; the user must authenticate to access the mobile account authentication app 143 when credentials, i.e. username and biometric, are provided; Bankeria is unclear the short range communication antenna is disabled from receiving the cryptogram when the user is not logged into the mobile application; Adams discloses [0046] … if the incorrect password is entered 350, the device 500 disables use of the contactless payment functions 360. Disabling use of the payment functionality of the chip 110 may be achieved by any number of acceptable means, such as, for example, and without limitation, disabling the antenna 130 so that transmission of payment related data from the chip to the payment terminal 140, smart card reader 770, or the like; therefore, it would have been obvious to one of ordinary skill in the art before the effective date the invention was made to incorporate the teachings of Adams for preventing usage of the card of the mobile user by possible unauthorized user; it would have also been obvious that the disablement of the antenna would also prevent the cryptogram from the card being received);
successfully decrypting the cryptogram to authenticate the contactless card (par. 31); and
when the contactless card has been authenticated, unlocking the contactless card (par. 48-49: card is unlocked by the mobile and/or or server),
wherein the contactless card is unusable for initiating any transaction while the contactless card is locked (par. 14, 48-49).
2.1 further comprising: starting the timer responsive to user input that identifies a time value for the timer (par. 48-50).
3.1 further comprising: starting the timer responsive to user input that includes the cryptogram received from the contactless card (Fig. 2, par. 48-49: the card is unlocked to start a transaction duration once the cryptogram is authenticated/verified).
4.1 further comprising: starting the timer at a predetermined time of day (par. 48-49).
5.1 further comprising: starting the timer after processing a transaction associated with the contactless card (par. 48-49).
6.1 wherein all transactions initiated in connection with the contactless card are denied while the contactless card is locked (par. 14, 48-49).
7.1 further comprising: identifying a customer account associated with the contactless card to authenticate the contactless card (par. 20-21, 25-29, 33, 44-45, 59).
8.7 further comprising: decrypting protected data in the cryptogram; comparing the protected data to stored record data associated with the customer account; and authenticating the contactless card based on a match between the protected data and the stored record data (par. 33, 35, 48).
9.1 further comprising: authenticating the contactless card when a user of the contactless card is logged into a mobile application associated with the contactless card (par. 20-21, 29, 32, 48, 59).
Re claims 10-17, 19, see discussion regarding claims above.
Response to Arguments
Applicant’s arguments have been considered but are moot in view of new ground of rejection.
Conclusion
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 nonprovisional extension fee (37 CFR 1.17(a)) pursuant to 37 CFR 1.136(a) will be calculated from the mailing date of the advisory action. In no event, however, will the statutory period for reply expire later than SIX MONTHS from the mailing date of this final action.
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/THIEN T MAI/ Primary Examiner, Art Unit 2876
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