Prosecution Insights
Last updated: October 02, 2026
Application No. 18/609,577

ACCESSING NON-COLLOCATED DATA CORRESPONDING TO A DETECTED MOBILE APPARATUS

Final Rejection §102
Filed
Mar 19, 2024
Examiner
FELTEN, DANIEL S
Art Unit
3692
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Truist Bank
OA Round
3 (Final)
46%
Grant Probability
Moderate
4-5
OA Rounds
1y 11m
Est. Remaining
59%
With Interview

Examiner Intelligence

Grants 46% of resolved cases
46%
Career Allowance Rate
276 granted / 595 resolved
-5.6% vs TC avg
Moderate +12% lift
Without
With
+12.4%
Interview Lift
resolved cases with interview
Typical timeline
4y 6m
Avg Prosecution
23 currently pending
Career history
641
Total Applications
across all art units

Statute-Specific Performance

§101
28.6%
-11.4% vs TC avg
§103
38.3%
-1.7% vs TC avg
§102
6.9%
-33.1% vs TC avg
§112
24.1%
-15.9% vs TC avg
Black line = Tech Center average estimate • Based on career data from 595 resolved cases

Office Action

§102
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 . Acknowledgement The Amendment/Request for Reconsideration dated 06/16/2026 is acknowledged. Status of Claims Claim 20 is cancelled. Claims 1 and 11 are amended. Claim 21 is added. Claims 1-19 and 21 are pending. Response to Arguments Applicant’s arguments with respect to amended claim(s) 1-19 have been considered but are moot because the new ground of rejection does not rely on any reference applied in the prior rejection of record for any teaching or matter specifically challenged in the argument. Claim Rejections - 35 USC § 102 The following is a quotation of the appropriate paragraphs of 35 U.S.C. 102 that form the basis for the rejections under this section made in this Office action: A person shall be entitled to a patent unless – (a)(1) the claimed invention was patented, described in a printed publication, or in public use, on sale, or otherwise available to the public before the effective filing date of the claimed invention. Claim(s) 1-19 and 21 is/are rejected under 35 U.S.C. 102(a)(1) as being anticipated by Nakajima (US 7,296,755). As per claims 1, 11 and 21, Nakajima discloses a system (Fig. 1) for detecting presence of a mobile apparatus and accessing non-collocated data based thereon Abstract, the system comprising: a mobile apparatus terminal (Fig. 1)(item# 20)(column 9, lines 49-58); (Fig. 3)(item# 20)(column 10, lines 56-67); (Fig. 4)(column 11, lines 18-25); (Fig. 7)(column 12, lines 42-54); a computer terminal (Fig. 1)(item# 10)+(item# 30); (Fig. 2)(item# 10)+(Fig. 5)(item#30) non-collocated with the mobile apparatus terminal and in operative communication with the mobile apparatus terminal across a communication channel, the computer terminal having a display screen (Fig. 2)(item# 702); (column 9, lines 59-65) a processor (Fig. 5)(Item# 82) and a storage device (Fig. 5)(Item# 80)(Item# 50)(Item# 60) operatively coupled with the mobile apparatus terminal (item# 20) and with the computer terminal (item# 10)across the communication channel (item# 38)(item#68) and wherein the processor and the storage device are separate from the mobile apparatus;(column 10, lines 5-13) and an application stored in the storage device and including executable code that, when executed causes the processor to operate both the mobile apparatus terminal and the non-collocated computer terminal by: the mobile apparatus terminal detecting a presence of the mobile apparatus;(column 10, lines 47-67) the mobile apparatus terminal reading information stored on the mobile apparatus presented to the mobile apparatus terminal and transforming the information into identification data; (column 2, lines 29-43; column 7, lines 18-24) generating display data by processing the identification data; (column 10, lines 47-67) and generating on the display screen a display associated with the mobile apparatus using the display data. (column 10, lines 47-67) As per claims 2 and 12, wherein the processor (Fig. 5)(item# 82) is included in the computer terminal or is included in a computing system (item# 30) that is in communication with the computer terminal. (see column 12, lines 1-14) As per claims 3 and 13, wherein the storage device (Fig. 5)(item# 80) is included in the computer terminal or is included in a computing system that is in communication with the computer terminal. (see column 12, lines 1-14) As per claims 4 and 14, wherein the information identifies a user of the mobile apparatus. (column 13, lines 55-67- identification number unique to the user’s terminal) As per claims 5, wherein the display identifies the user of the mobile apparatus. (Fig. 3)(item# 802) As per claims 6 and 15, wherein the mobile apparatus terminal reads the information stored at a magnetic stripe and/or a contactless communication interface on the mobile apparatus.( see column 32, line 64 to column 33, line 11) As per claims 7 and 18, wherein the mobile apparatus is a bank issued card. (see column 11, lines 46-53; column 19, lines 21-30) As per claim 8, wherein the computer terminal (item# 30) is an agent computer terminal in communication with a bank computing system. (column 11, lines 26-36) As per claims 9 and 16-18, wherein the mobile apparatus is a bank card, the mobile apparatus terminal reads the information stored at a contactless communication interface on the bank card and the computer terminal is in communication with a computing system of a bank that issued the bank card. (column 32, line 64 to column 33, line 11) As per claims 10 and 19, wherein the executed code causes the processor to compare the identification data with data stored in a computing system that is in communication with the computer terminal and complete the identification data and/or to verify the identification data.(see column 1, line54 to column 2, line 44) As per claim 14, including activating the application when the computer terminal is first turned on or by the computer terminal.(see column 32, lines 5-63) 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. Any inquiry concerning this communication or earlier communications from the examiner should be directed to DANIEL S FELTEN whose telephone number is (571)272-6742. The examiner can normally be reached Flex. 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, Ryan D Donlon can be reached at 5712703602. 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. DANIEL S. FELTEN Examiner Art Unit 3692 /DANIEL S FELTEN/Primary Examiner, Art Unit 3692
Read full office action

Prosecution Timeline

Mar 19, 2024
Application Filed
Oct 22, 2025
Non-Final Rejection mailed — §102
Dec 18, 2025
Response Filed
Mar 16, 2026
Non-Final Rejection mailed — §102
May 20, 2026
Interview Requested
Jun 16, 2026
Response Filed
Aug 21, 2026
Final Rejection mailed — §102
Sep 19, 2026
Interview Requested

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

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Prosecution Projections

4-5
Expected OA Rounds
46%
Grant Probability
59%
With Interview (+12.4%)
4y 6m (~1y 11m remaining)
Median Time to Grant
High
PTA Risk
Based on 595 resolved cases by this examiner. Grant probability derived from career allowance rate.

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