Prosecution Insights
Last updated: July 17, 2026
Application No. 18/596,607

SYSTEM AND METHOD FOR IMPLEMENTING ENHANCED PAYMENT ON DELIVERY

Non-Final OA §101§112
Filed
Mar 05, 2024
Priority
Jun 28, 2022 — continuation of 11/954,679
Examiner
RANKINS, WILLIAM E
Art Unit
3694
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Visa International Service Association
OA Round
3 (Non-Final)
58%
Grant Probability
Moderate
3-4
OA Rounds
11m
Est. Remaining
66%
With Interview

Examiner Intelligence

Grants 58% of resolved cases
58%
Career Allowance Rate
456 granted / 789 resolved
+5.8% vs TC avg
Moderate +8% lift
Without
With
+8.4%
Interview Lift
resolved cases with interview
Typical timeline
3y 3m
Avg Prosecution
34 currently pending
Career history
828
Total Applications
across all art units

Statute-Specific Performance

§101
26.3%
-13.7% vs TC avg
§103
44.2%
+4.2% vs TC avg
§102
3.6%
-36.4% vs TC avg
§112
22.7%
-17.3% vs TC avg
Black line = Tech Center average estimate • Based on career data from 789 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 Claims 1, 4, 7, 10, 15, and 16 are amended. Applicants’ arguments with regard to the 101 rejections have been considered but are not persuasive. Applicant argues the claims recite a computer-enforced permission control which is a specific improvement and technical authorization control mechanism that restricts when the code can be used for payment. The unblock limitation integrates the abstract idea into a practical application by requiring a user-specific gating configuration that prevents proxy payment unless and until the user authorizes use of the code. The Office asserts that restricting when payment can be made and requiring authorization to use a payment source is an abstract idea. The use of the gating configuration merely adds the words “Appy it”, or the like, to the abstract idea. 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 1-20 are rejected under 35 U.S.C. 101 because the claimed invention is directed to an abstract idea without significantly more. The claim(s) recite(s): A system, comprising: a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code that: receives a request for an authorization-by-proxy payment on delivery (POD); generates an authorization-by-proxy code based upon buyer-controlled payment control parameters; and utilizes the buyer-controlled payment parameters to control processing of a payment for the authorization-by-proxy POD, wherein a scan of an invoice associated with merchandise is scanned upon delivery of the merchandise, the scan of the invoice being used to verify an authenticity of the merchandise being delivered, wherein the authorization-by-proxy code and a user-specific unblocking application operate as part of a user- specific authorization gating configuration to allow an authorized proxy to pay for and receive merchandise associated with the authorization-by- proxy POD after a user specifically unblocks use of the authorization-by- proxy code. 7. A method, comprising: receiving, an authorization-by-proxy code based upon buyer-controlled payment control parameters, the buyer-controlled payment parameters being used to control processing of a payment; receiving merchandise ordered by a user of a user device, the merchandise being associated with a request by the user for an authorization-by- proxy payment on delivery (POD) of the merchandise; performing a scan of an invoice associated with the merchandise upon delivery of the merchandise; and utilizing the scan of the invoice to verify an authenticity of the merchandise being delivered, wherein the authorization-by-proxy code is configured to allow an authorized proxy to pay for and receive merchandise associated with the authorization-by-proxy POD after the user unblocks use of the authorization-by- proxy code. 16. A device, comprising: a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code that: receives an authorization-by-proxy code based upon buyer-controlled payment control parameters, the buyer-controlled payment parameters being used to control processing of a payment associated with merchandise; receives merchandise associated with a user of a user device, the merchandise being associated with a request by the user for an authorization-by-proxy payment on delivery (POD) of the merchandise; performs a scan of an invoice associated with the merchandise upon delivery of the merchandise; and uses the scan of the invoice to verify an authenticity of the merchandise being delivered, wherein the authorization-by-proxy code is configured to allow an authorized proxy to pay for and receive merchandise associated with the authorization-by- proxy POD after the user unblocks use of the authorization-by-proxy code. The abstract idea underlined reflects certain methods of organizing human activity, commercial interactions including sales activities. This judicial exception is not integrated into a practical application because the generic computer limitations represent adding the words "apply it", or the like to the abstract idea. The claim(s) does/do not include additional elements that are sufficient to amount to significantly more than the judicial exception because of the reasons above. The dependent claims merely narrow the abstract idea and as a whole and in combination comprise the abstract idea and the words ”apply it”. 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. Claim 1 and 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 1 recites that a scan of an invoice…is scanned. It is unclear if the scan is scanned or the invoice is scanned. The examiner interprets the claim as scanning the invoice but appropriate correction is requested. Claim 17 recites payment for the authorization-by-proxy (POD) but the claims are directed to paying for merchandise thus the limitation is unclear. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to WILLIAM E RANKINS whose telephone number is (571)270-3465. The examiner can normally be reached on 9-530 M-F. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Bennett 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 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. /WILLIAM E RANKINS/Primary Examiner, Art Unit 3694
Read full office action

Prosecution Timeline

Show 6 earlier events
Nov 06, 2025
Final Rejection mailed — §101, §112
Jan 06, 2026
Response after Non-Final Action
Feb 06, 2026
Request for Continued Examination
Feb 26, 2026
Response after Non-Final Action
Apr 16, 2026
Non-Final Rejection mailed — §101, §112
Jul 09, 2026
Interview Requested
Jul 15, 2026
Applicant Interview (Telephonic)
Jul 15, 2026
Examiner Interview Summary

Precedent Cases

Applications granted by this same examiner with similar technology

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METHOD OF PROCESSING DIGITAL CHECKS
2y 2m to grant Granted May 26, 2026
Patent 12620020
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Patent 12620035
DISTRIBUTED LEDGER SYSTEM FOR MANAGING LOSS HISTORIES FOR PROPERTIES
2y 0m to grant Granted May 05, 2026
Patent 12614160
DISTRIBUTION UTILITY
2y 7m to grant Granted Apr 28, 2026
Patent 12608730
SENDING FUNDS VIA AN EMAIL PAYMENT GATEWAY
2y 1m to grant Granted Apr 21, 2026
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
58%
Grant Probability
66%
With Interview (+8.4%)
3y 3m (~11m remaining)
Median Time to Grant
High
PTA Risk
Based on 789 resolved cases by this examiner. Grant probability derived from career allowance rate.

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