Prosecution Insights
Last updated: April 19, 2026
Application No. 18/587,643

TECHNIQUES TO PROVIDE PHYSICAL TRANSACTION CARD CAPABILITIES FOR A DEVICE

Non-Final OA §103§112
Filed
Feb 26, 2024
Examiner
LUDWIG, PETER L
Art Unit
3627
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Capital One Services LLC
OA Round
1 (Non-Final)
36%
Grant Probability
At Risk
1-2
OA Rounds
4y 0m
To Grant
60%
With Interview

Examiner Intelligence

Grants only 36% of cases
36%
Career Allow Rate
193 granted / 540 resolved
-16.3% vs TC avg
Strong +25% interview lift
Without
With
+24.6%
Interview Lift
resolved cases with interview
Typical timeline
4y 0m
Avg Prosecution
60 currently pending
Career history
600
Total Applications
across all art units

Statute-Specific Performance

§101
23.7%
-16.3% vs TC avg
§103
36.1%
-3.9% vs TC avg
§102
14.0%
-26.0% vs TC avg
§112
25.2%
-14.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 540 resolved cases

Office Action

§103 §112
DETAILED ACTION This Non-Final Office action is in response to Applicant’s filing 07/25/2024. Claims 2-21 are pending. The effective filing date of the claimed invention is 10/04/2019. 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 § 112 The following is a quotation of 35 U.S.C. 112(b): (b) CONCLUSION.—The specification shall conclude with one or more claims particularly pointing out and distinctly claiming the subject matter which the inventor or a joint inventor regards as the invention. The following is a quotation of 35 U.S.C. 112 (pre-AIA ), second paragraph: The specification shall conclude with one or more claims particularly pointing out and distinctly claiming the subject matter which the applicant regards as his invention. Claims 2-21 are rejected under 35 U.S.C. 112(b) or 35 U.S.C. 112 (pre-AIA ), second paragraph, as being indefinite for failing to particularly point out and distinctly claim the subject matter which the inventor or a joint inventor (or for applications subject to pre-AIA 35 U.S.C. 112, the applicant), regards as the invention. Claim 2 (and similarly claims 12 and 19) recites “detect an event” in line 5, “detect an event” in line 8, and “the event” in line 11. The claims are rendered indefinite as it is unclear if the event in line 8 is the same event in line 5. Further, with “the event” in line 11, it is unclear which event Applicant is referring to be “the” as there are two events recited prior to this. The examiner recommends amending the claim to include a first event, a second event, a third event (for the another event), and so forth, and then refer to each event as e.g. “the first event.” See also claim 5, 13, 6, and 21, reciting “the event” and indefinite for the same reasons as above. Appropriate correction is required. 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 (i.e., changing from AIA to pre-AIA ) 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 for establishing a background 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 2-5, 7-13, and 15-20 are rejected under 35 U.S.C. 103 as being unpatentable over U.S. Pat. Pub. No. 2017/0026070 to Hodroj (“Hydroj”) in view of CN204145574U to Pang Dong (“Dong”)1. With regard to claims 2, 12, and 19, Hydroj discloses the claimed device, comprising: detect an event to extend at least a first portion of a substrate from an edge of a device (see e.g. [0010-11] activation of switch; edge of device is shown in Fig. 1, where the edge is the bottom portion of phone/case combo), the substrate comprising a first interface configured to communicate account information to perform transactions (see e.g. [0011] credit cards); detect an event to cause the first portion of the substrate to extend from a second portion the device (see e.g. Fig. 1, where the bottom edge of the device can be separated into many PNG media_image1.png 396 656 media_image1.png Greyscale “portions” (shown in e.g. Fig. 4 with the line separations between the various portions of that edge) and thereby when the switch is activated, the card is released and extends from the different portions of Fig. 4, shown in e.g. Fig. 11); cause the substrate to extend from the second portion of the device based on the event (see Fig. 11, [0011-11]); detect another event (see e.g. [0093]); and cause retraction of the first portion of the substrate from the second portion of the device (see e.g. [0093] when card(s) is in the card support drawer, and the drawer is pushed back into the device, this satisfies the claimed retracting). Hydroj does not disclose the following: memory to store instructions; and circuitry coupled with the memory, the circuitry operable to execute the instructions to. Dong teaches at e.g. [0007-9] [0015] [0021-22] that it would have been obvious to one of ordinary skill in the mobile device art to include the ability to have a mobile device with memory/processor, that can control the extension and retraction of a card from said device upon receiving an electrical signal that indicates such action to be taken (Dong e.g. [0008] [0009] [0015] [0021-22]), where the advantage of said control from mobile device is that this allows automatic control of the card and makes it easier to access the internal card, and to reload said card after being used/removed. See Dong at e.g. [0009] [0007]. Therefore, it would have been obvious to one of ordinary skill in the mobile device art before the effective filing date to modify the device of Hydroj with the ability to have a mobile device with memory/processor, that can control the extension and retraction of a card from said device upon receiving an electrical signal that indicates such action to be taken, as shown in Dong, where the advantage of said control from mobile device is that this allows automatic control of the card and makes it easier to access the internal card, and to reload said card after being used/removed. See Dong at e.g. [0009] [0007]. With regard to claims 3 and 15, Hydroj further discloses the edge of the device comprises at least one selected from the group of a top edge of the device and a bottom edge of the device (e.g. Fig. 1). With regard to claims 4, 16, and 20, Hydroj further discloses where the extension from the second portion of the device (e.g. the substrate is coming out of the device, shown above) and the retraction from the second portion of the device are at different orientations (e.g. the substrate is being pushed back into the device, a different direction/orientation from being ejected out). With regard to claims 5 and 13, Hydroj does not teach these limitations. However, Dong teaches e.g. where the event, and another event, is a communication received from mobile device (Dong [0009] [0021] [0022] the microprocessor controller of the mobile phone sends an electrical signal to the electric control module. The electric control module controls the card tray to slide out of the card slot according to the electrical signal, where the electric signal is the communication message from the mobile device). As for the another event, another button, or the same button, can be pressed twice for the detection of the another event, as this would also sent an electrical signal from the mobile device. Therefore, it would have been obvious to one of ordinary skill in the mobile device art before the effective filing date to modify Hydroj to include such ability for the mobile device to communicate with the card controller so that as shown in Dong [0009] thereby realizing automatic control of the card tray sliding and facilitating the user to load and unload SIM cards. With regard to claims 7 and 17, Hydroj further discloses the device comprises a housing, and the housing comprises a slot configured to receive the substrate (see e.g. Fig. 1, CS). With regard to claims 8 and 18, Hydroj further discloses the device comprises a housing, and the housing comprises a recess portion configured to permit the card to retract or flip (see e.g. Fig. 1, CS). Claims 6, 14, and 21 are rejected under 35 U.S.C. 103 as being unpatentable over Hydroj, Dong, in further view of U.S. Pat. No. 10,163,107 to White et al. (“White”). With regard to claims 6, 14, and 21, Hydroj and Dong do not teach claims 6 and 21. White teaches at e.g. abstract, col. 3, ln 1-30 etc. that it would have been obvious to one of ordinary skill in the transaction art to detect a failed attempt to perform transaction and perform action accordingly (e.g. col. 3, ln 1-30), where this is beneficial in that it can indicate fraud is occurring and assist in detecting such fraud. See White at e.g. col. 3 ln 49-60. For claim 14, White also teaches detection of completion of transaction at col. 5, ln. 5-20. Therefore, it would have been obvious to one of ordinary skill in the payment art before the effective filing date to modify Hydroj/Dong to include such detection of failed attempt, as shown in White above, where this is beneficial in that it can indicate fraud is occurring and assist in detecting such fraud. See White at e.g. col. 3 ln 49-60. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to Peter Ludwig whose telephone number is (571)270-5599. The examiner can normally be reached Mon-Fri 9-5. 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, Fahd Obeid can be reached at 571-270-3324. 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. /PETER LUDWIG/Primary Examiner, Art Unit 3627 1 Dong is attached as translated by espacenet.
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Prosecution Timeline

Feb 26, 2024
Application Filed
Jul 25, 2024
Response after Non-Final Action
Jan 20, 2026
Non-Final Rejection — §103, §112 (current)

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

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Prosecution Projections

1-2
Expected OA Rounds
36%
Grant Probability
60%
With Interview (+24.6%)
4y 0m
Median Time to Grant
Low
PTA Risk
Based on 540 resolved cases by this examiner. Grant probability derived from career allow rate.

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