Prosecution Insights
Last updated: April 19, 2026
Application No. 18/510,796

SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS WITH CONTACTLESS CARDS

Final Rejection §DP
Filed
Nov 16, 2023
Examiner
KORSAK, OLEG
Art Unit
2492
Tech Center
2400 — Computer Networks
Assignee
Capital One Services LLC
OA Round
2 (Final)
85%
Grant Probability
Favorable
3-4
OA Rounds
2y 8m
To Grant
94%
With Interview

Examiner Intelligence

Grants 85% — above average
85%
Career Allow Rate
804 granted / 941 resolved
+27.4% vs TC avg
Moderate +8% lift
Without
With
+8.5%
Interview Lift
resolved cases with interview
Typical timeline
2y 8m
Avg Prosecution
39 currently pending
Career history
980
Total Applications
across all art units

Statute-Specific Performance

§101
6.6%
-33.4% vs TC avg
§103
35.0%
-5.0% vs TC avg
§102
25.8%
-14.2% vs TC avg
§112
12.2%
-27.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 941 resolved cases

Office Action

§DP
DETAILED ACTION Response to Amendment This action is in response to amendment filed February 05, 2026 for the application # 18/510,796 filed on November 16, 2023. Claims 21-25 and 27-41 are pending and are directed toward SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS WITH CONTACTLESS CARDS Any claim objection/rejection not repeated below is withdrawn due to Applicant's amendment. 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 . 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. Response to Arguments Applicant’s arguments with regards to claims 21-25 and 27-41 have been fully considered, and they are persuasive in regards to prior art rejections in view of amended claims based on allowable subject matter. Examiner maintains DP rejections. Double Patenting The nonstatutory double patenting rejection is based on a judicially created doctrine grounded in public policy (a policy reflected in the statute) so as to prevent the unjustified or improper timewise extension of the “right to exclude” granted by a patent and to prevent possible harassment by multiple assignees. A nonstatutory obviousness-type double patenting rejection is appropriate where the conflicting claims are not identical, but at least one examined application claim is not patentably distinct from the reference claim(s) because the examined application claim is either anticipated by, or would have been obvious over, the reference claim(s). See, e.g., In re Berg, 140 F.3d 1428, 46 USPQ2d 1226 (Fed. Cir. 1998); In re Goodman, 11 F.3d 1046, 29 USPQ2d 2010 (Fed. Cir. 1993); In re Longi, 759 F.2d 887, 225 USPQ 645 (Fed. Cir. 1985); In re Van Ornum, 686 F.2d 937, 214 USPQ 761 (CCPA 1982); In re Vogel, 422 F.2d 438, 164 USPQ 619 (CCPA 1970); and In re Thorington, 418 F.2d 528, 163 USPQ 644 (CCPA 1969). A timely filed terminal disclaimer in compliance with 37 CFR 1.321(c) or 1.321(d) may be used to overcome an actual or provisional rejection based on a nonstatutory double patenting ground provided the conflicting application or patent either is shown to be commonly owned with this application, or claims an invention made as a result of activities undertaken within the scope of a joint research agreement. Effective January 1, 1994, a registered attorney or agent of record may sign a terminal disclaimer. A terminal disclaimer signed by the assignee must fully comply with 37 CFR 3.73(b). Claims 21-25 and 27-41 are rejected on the ground of nonstatutory obviousness-type double patenting as being unpatentable over claims 1-20 of US patent No. 11,129,019. Although the conflicting claims are not identical, they are not patentably distinct from each other because all elements of claims 21-25 and 27-41 of the instant application correspond to elements of claims 1-20 of US patent No. 11,129,019. The above claims of the present application would have been obvious over claims 1-20 of US patent No. 11,129,019 because each element of the claims of the present application is anticipated by the claims 1-20 of US patent No. 11,129,019 and as such are unpatentable for obviousness-type double patenting (In re Goodman (CAFC) 29 USPQ2D 2010 (12/3/1993)). Claims 21-25 and 27-41 are rejected on the ground of nonstatutory obviousness-type double patenting as being unpatentable over claims 1-20 of US patent No. 11,974,127. Although the conflicting claims are not identical, they are not patentably distinct from each other because all elements of claims 21-25 and 27-41 of the instant application correspond to elements of claims 1-20 of US patent No. 11,974,127. The above claims of the present application would have been obvious over claims 1-20 of US patent No. 11,974,127 because each element of the claims of the present application is anticipated by the claims 1-20 of US patent No. 11,974,127 and as such are unpatentable for obviousness-type double patenting (In re Goodman (CAFC) 29 USPQ2D 2010 (12/3/1993)). Allowable Subject Matter Claims 21-25 and 27-41 are indicated as allowable over prior art. The following is a statement of reasons for the indication of allowable subject matter: Claims of instant application are of the same scope as allowed claims of US 11,129,019 and US 11,974,127. As allowable subject matter has been indicated, applicant's reply must either comply with all formal requirements or specifically traverse each requirement not complied with. See 37 CFR 1.111(b) and MPEP § 707.07(a). 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 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. Any inquiry concerning this communication or earlier communications from the examiner should be directed to OLEG KORSAK whose telephone number is (571)270-1938. The examiner can normally be reached on 5:00 AM- 4:00 PM. 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, Rupal Dharia can be reached on (571) 272-3880. 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. /OLEG KORSAK/Primary Examiner, Art Unit 2492
Read full office action

Prosecution Timeline

Nov 16, 2023
Application Filed
Feb 08, 2024
Response after Non-Final Action
Nov 18, 2024
Response after Non-Final Action
Jan 14, 2025
Response after Non-Final Action
Aug 01, 2025
Non-Final Rejection — §DP
Feb 05, 2026
Response Filed
Feb 26, 2026
Final Rejection — §DP (current)

Precedent Cases

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

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Prosecution Projections

3-4
Expected OA Rounds
85%
Grant Probability
94%
With Interview (+8.5%)
2y 8m
Median Time to Grant
Moderate
PTA Risk
Based on 941 resolved cases by this examiner. Grant probability derived from career allow rate.

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