Prosecution Insights
Last updated: April 19, 2026
Application No. 18/615,131

SYSTEMS AND METHODS FOR AN ELECTRONIC TRANSFER DIRECTORY SERVICE FOR DISTILLATION OR DISTRIBUTION OF FILES

Non-Final OA §101
Filed
Mar 25, 2024
Examiner
RANKINS, WILLIAM E
Art Unit
3694
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
The PNC Financial Services Group, Inc.
OA Round
3 (Non-Final)
58%
Grant Probability
Moderate
3-4
OA Rounds
3y 2m
To Grant
66%
With Interview

Examiner Intelligence

Grants 58% of resolved cases
58%
Career Allow Rate
450 granted / 779 resolved
+5.8% vs TC avg
Moderate +9% lift
Without
With
+8.7%
Interview Lift
resolved cases with interview
Typical timeline
3y 2m
Avg Prosecution
39 currently pending
Career history
818
Total Applications
across all art units

Statute-Specific Performance

§101
35.6%
-4.4% vs TC avg
§103
25.2%
-14.8% vs TC avg
§102
8.0%
-32.0% vs TC avg
§112
26.2%
-13.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 779 resolved cases

Office Action

§101
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 Status of Claims Claims 1 and 4-22 are pending. Claims 1, 11 and 12 are amended. Response to Arguments Applicants arguments regarding the 101 rejection have been considered but are not persuasive. Applicant argues the automatic arrangement of icons is a non-human activity and integrates the claims into a practical application. The claims are similar to those of example 37 claims 1 and 2 which were found to be patent eligible. The claimed arrangement feature both facilitates and enhances the efficiency of verification of ownership attributes during electronic transfers as well as the security associated with such transfers per the specification at 0005-0006. The examiner finds that the specification at 0005-0006 does not indicate any facilitation and enhanced efficiency of verification of entity ownership attributes during electronic transfers as wella s the security associated with such transfers as the specification merely recites: “[0005] Conventional systems and methods for performing electronic transfers between entity repositories also present security concerns. Conventional methods and systems require transmitting entity repository data to identify and verify the entity repository. If this data falls into the wrong hands, the security of the entity repository, and its contents or funds, for example, may be compromised. [0006] Accordingly, there is a need for easier and more efficient ways to verify entity ownership attributes during electronic transfers, which may include easier ways to perform inquiries from a source system, web service, or digital applications that are more memory and computationally efficient.” Which does not address the applicant’s assertion that the automatic display and rearrangement of icons confers any particular technical advantage. Regarding the claims of example 37 the Office states that the claims are eligible due to a combination of additional elements including receiving, via a GUI, a user selection to organize each icon, a processor for performing the determining step, and automatically moving the icons to a position on the GUI closest to the start icon of the computer system based on the determined amount of use. The present claims do not include any such combinations but merely us e a processor to execute the rearrangement of icons. The claims are similar to claim 3 of example 37 which is not patent-eligible. Applicant argues the claims are similar to those of Core Wireless v LG Electronics. The Office asserts that this argument is rebutted by the analysis presented in the revised rejection below. Applicant argues the rearrangement limitations are not well-understood, routine and conventional. The Office asserts that per Core Wireless, the rearrangement limitations, as indicated in the rejection below, are well=understood, routine and conventional. 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. Claim(s) 1, and 4-22 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): 1. A non-transitory computer readable medium containing instructions that when executed by at least one processor, cause the at least one processor to perform operations for verifying entities and provide an electronic transfer between entities, the operations comprising: retrieving a first reference number and a first transmit number associated with a first entity repository, wherein the first entity repository is owned by a first entity; generating a first internal profile associated with the first entity, wherein the first internal profile includes the first reference number and the first transmit number associated with the first entity repository; generating a first access token, wherein the first access token includes a first identification; generating a first external profile associated with the first entity, wherein the first external profile for the first entity includes the first access token; storing the first internal profile and the first external profile in a first directory of profiles, wherein the first directory of profiles includes a plurality of internal profiles and a plurality of external profiles both associated with a plurality of entities, the plurality of entities displayed as icons on a graphical user interface and the icons automatically rearranging based on a frequency of electronic transfers associated with the first entity and a relationship history with the first entity, wherein the relationship history includes at least one of a positive history indication, a neutral history indication, or a negative history indication; retrieving a second identification of a second access token, wherein the second access token is associated with a second external profile from the plurality of external profiles; identifying a second entity associated with the second external profile using the second identification; identifying a second internal profile from the plurality of internal profiles associated with the second entity; using a second reference number and a second transmit number associated with the second internal profile, identifying a current status and a history of a second entity repository associated with the second internal profile, wherein the current status and the history of the second entity repository are determined using at least one of a repository owner name, tax identification number, date of birth, address, or phone number, wherein the current status includes at least one of a positive status indication, a neutral status indication, or a negative status indication, and distributing the current status and the history associated with the second entity repository to the first entity; and upon receiving a positive status indication and a positive history indication, generating data associated with an electronic transfer from the first entity repository to the second entity repository and providing the data associated with the electronic transfer to the second entity to initiate the electronic transfer from the first entity repository to the second entity repository. The underlined elements of the claim represent certain methods of organizing human activity, fundamental economic practices of mitigating risk because the claims are directed to verifying entities before initiating funds transfers between the entities. This judicial exception is not integrated into a practical application because the claims are The additional elements being a non-transitory computer readable medium containing instructions executed by a processor which are generically recited. The display and rearrangement of icons is insignificant extrasolution activity similar to selecting a particular data source or type of data to be manipulated as in Electric Power Group per MPEP 2106.05(g). 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 and additionally, the display and rearrangement of icons is old and well known as a generic idea of summarizing information per Core Wireless v. LG Electronics (Fed. Cir. 2018) stating: “The asserted claims in this case are directed to an improved user interface for computing devices, not to the abstract idea of an index, as argued by LG on appeal.3 Although the generic idea of summarizing information certainly existed prior to the invention, these claims are directed to a particular manner of summarizing and presenting information in electronic devices. Claim 1 of the ’476 patent requires “an application summary that can be reached directly from the menu,” specifying a particular manner by which the summary window must be accessed. The claim further requires the application summary window list a limited set of data, “each of the data in the list being selectable to launch the respective application and enable the selected data to be seen within the respective application.” This claim limitation restrains the type of data that can be displayed in the summary window. Finally, the claim recites that the summary window “is displayed while the one or more applications are in an un-launched state,” a requirement that the device applications exist in a particular state. These limitations disclose a specific manner of displaying a limited set of information to the user, rather than using conventional user interface methods to display a generic index on a computer. Like the improved systems claimed in Enfish, Thales, Visual Memory, and Finjan, these claims recite a specific improvement over prior systems, resulting in an improved user interface for electronic devices.” Unlike the claims in Core Wireless the present claims are not directed to a particular manner of summarizing and presenting information on electronic devices. The dependent claims merely narrow the abstract idea and as a whole and in combination, the claims represent the abstract idea with the words “apply it”, or the like. Claims 4-6 are directed to determining the various history states. Claim 7 is generally directed to verifying he repositories, claim 8 further defines the access tokens, claim 9 recites a further display step and claim 10 is a storing step, i.e., adding the words “apply it”, or the like. Claims 11-22 are similarly rejected. 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

Mar 25, 2024
Application Filed
Jun 06, 2025
Non-Final Rejection — §101
Jul 01, 2025
Interview Requested
Jul 09, 2025
Examiner Interview Summary
Jul 09, 2025
Applicant Interview (Telephonic)
Sep 03, 2025
Response Filed
Oct 01, 2025
Final Rejection — §101
Dec 17, 2025
Request for Continued Examination
Jan 28, 2026
Response after Non-Final Action
Jan 29, 2026
Non-Final Rejection — §101
Feb 10, 2026
Interview Requested
Feb 25, 2026
Applicant Interview (Telephonic)
Feb 25, 2026
Examiner Interview Summary

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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
58%
Grant Probability
66%
With Interview (+8.7%)
3y 2m
Median Time to Grant
High
PTA Risk
Based on 779 resolved cases by this examiner. Grant probability derived from career allow rate.

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