Prosecution Insights
Last updated: October 02, 2026
Application No. 18/617,544

SYSTEMS AND METHODS FOR USE IN REDUCING FRICTION IN NETWORK-BASED COMMUNICATIONS

Final Rejection §101§103
Filed
Mar 26, 2024
Examiner
RAMPHAL, LATASHA DEVI
Art Unit
3688
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Mastercard International Incorporated
OA Round
2 (Final)
33%
Grant Probability
At Risk
3-4
OA Rounds
1y 1m
Est. Remaining
82%
With Interview

Examiner Intelligence

Grants only 33% of cases
33%
Career Allowance Rate
67 granted / 201 resolved
-18.7% vs TC avg
Strong +48% interview lift
Without
With
+48.3%
Interview Lift
resolved cases with interview
Typical timeline
3y 7m
Avg Prosecution
25 currently pending
Career history
231
Total Applications
across all art units

Statute-Specific Performance

§101
31.9%
-8.1% vs TC avg
§103
33.2%
-6.8% vs TC avg
§102
13.1%
-26.9% vs TC avg
§112
18.5%
-21.5% vs TC avg
Black line = Tech Center average estimate • Based on career data from 201 resolved cases

Office Action

§101 §103
DETAILED ACTION This rejection is in response to Amendments filed 06/18/2026. Claims 1-6, 8-13, and 15-19 are currently pending and have been examined. Claim 7 and 14 are cancelled. 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 . Response to Arguments Applicant's arguments filed 06/18/2026 have been fully considered but they are not persuasive. With respect to Applicant’s arguments on pages 7-8 of remarks filed 06/18/2026 that the claims provide a technical improvement in connection with transactions by providing masked data prior to soliciting authentication of the user which reduces friction to the user and reduces transaction abandonment, Examiner respectfully disagrees. If it is asserted that the invention improves upon conventional functioning of a computer, or upon conventional technology or technological processes, a technical explanation as to how to implement the invention should be present in the specification. That is, the disclosure must provide sufficient details such that one of ordinary skill in the art would recognize the claimed invention as providing an improvement. The specification need not explicitly set forth the improvement, but it must describe the invention such that the improvement would be apparent to one of ordinary skill in the art. Conversely, if the specification explicitly sets forth an improvement but in a conclusory manner (i.e., a bare assertion of an improvement without the detail necessary to be apparent to a person of ordinary skill in the art), the examiner should not determine the claim improves technology. An indication that the claimed invention provides an improvement can include a discussion in the specification that identifies a technical problem and explains the details of an unconventional technical solution expressed in the claim, or identifies technical improvements realized by the claim over the prior art. See MPEP 2106.05(a). To show that the involvement of a computer assists in improving the technology, the claims must recite the details regarding how a computer aids the method, the extent to which the computer aids the method, or the significance of a computer to the performance of the method. Merely adding generic computer components to perform the method is not sufficient. Thus, the claim must include more than mere instructions to perform the method on a generic component or machinery to qualify as an improvement to an existing technology. See MPEP §§ 2106.05(a)(II) and 2106.05(f). It is unclear to one of ordinary skill in the art how reducing friction to the user and reducing transaction abandonment by making users more confident that a transaction is legitimate solves a problem rooted in technology. The claims appear to solve a commercial problem of reducing transaction abandonment and reducing user friction with transactions rather than solving a technical problem. The claims merely add generic computer components (e.g. devices) to perform the method which is not sufficient. Therefore, the claim do not include more than mere instructions to perform the method on a generic component or machinery to qualify as an improvement to an existing technology. With respect to Applicant’s arguments on pages 8-9 of remarks filed 06/18/2026 that the additional elements integrate the abstract idea into a practical application because the sequence of human interactions with the computer and the specific manner in which information is presented to the user and the way the user interacts with the computer is an area of technology that eliminates user friction and the user interface is improved by the sequence of data displayed to the user similar to Example 37, Examiner respectfully disagrees. In addition, a specific way of achieving a result is not a stand-alone consideration in Step 2A Prong Two. However, the specificity of the claim limitations is relevant to the evaluation of several considerations including the use of a particular machine, particular transformation and whether the limitations are mere instructions to apply an exception. See MPEP §§ 2106.05(b), 2106.04(d)(I), 2106.05(c), and 2106.05(f). A specific way of achieving a result by presenting information and human interactions with a computer is not a stand-alone consideration in Step 2A Prong Two. It is unclear to one of ordinary skill in the art how presenting a sequence of data improves the user interface when the claims do not even recite a user interface. Example 37 is about displaying and moving icons on a user interface based on usage which is not analogous to merely causing presentation of information to a user. Therefore, the additional elements (e.g. devices) both individually and in combination do not integrate the judicial exception into a practical application. With respect to Applicant’s arguments on pages 9-10 of remarks filed 06/18/2026 that McCarthy discloses authenticating the SCRI, not the user based on the proxy and McCarthy is deficient because there is no indication that the authentication is in response to the selection of an account, Examiner respectfully disagrees. McCarthy teaches authenticating, by the platform computing device, the user, based on the received proxy because this reference teaches that payload data includes consumer information such as email and phone number which is used to authenticate the identity of the consumer using the consumer’s email and phone number. (McCarthy, [0025]; FIGS. 3A-3B, [0050]; [0034]; [0036]; [0045]; [0037]; [0022]). Applicant's arguments do not comply with 37 CFR 1.111(c) because they do not clearly point out the patentable novelty which he or she thinks the claims present in view of the state of the art disclosed by the references cited or the objections made. Further, they do not show how the amendments avoid such references or objections. Applicant’s arguments are unpersuasive because Applicant does not clearly point out how the amendments avoid McCarthy with respect to the authentication being in response to the selection of an account. With respect to Applicant’s arguments on pages 11 of remarks filed 06/18/2026 that the combination of McCarthy and Sahoo is not supported by proper motivation because it is not relevant to inform the user of masked data prior to authentication, Examiner respectfully disagrees. In response to applicant’s argument that there is no teaching, suggestion, or motivation to combine the references, the examiner recognizes that obviousness may be established by combining or modifying the teachings of the prior art to produce the claimed invention where there is some teaching, suggestion, or motivation to do so found either in the references themselves or in the knowledge generally available to one of ordinary skill in the art. See In re Fine, 837 F.2d 1071, 5 USPQ2d 1596 (Fed. Cir. 1988), In re Jones, 958 F.2d 347, 21 USPQ2d 1941 (Fed. Cir. 1992), and KSR International Co. v. Teleflex, Inc., 550 U.S. 398, 82 USPQ2d 1385 (2007). In this case, McCarthy teaches masked data but does not teach the specific timing of informing the user of the masked data prior to being authenticated. Sahoo is relied upon to teach the specific timing of informing the user of the masked data prior to being authenticated in order to hide sensitive information prior to authentication. (Sahoo, [0036]). With respect to Applicant’s arguments on pages 11 of remarks filed 06/18/2026 that the dependent claims are patentable because they depend on the independent claims, Examiner respectfully disagrees. Applicant's arguments do not comply with 37 CFR 1.111(c) because they do not clearly point out the patentable novelty which he or she thinks the claims present in view of the state of the art disclosed by the references cited or the objections made. Further, they do not show how the amendments avoid such references or objections. 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 1-6, 8-13, and 15-19 are rejected under 35 U.S.C. 101 because the claimed invention is directed to a judicial exception (an abstract idea) without significantly more. Under Step 1 of the Subject Matter Eligibility Test, it must be considered whether the claims are directed to one of the four statutory classes of invention. See MPEP § 2106. In the instant case, claims 1-6 and 8 are directed to a method, claims 9-13 and 15 are directed to a non-transitory computer readable medium, claims 16-19 are directed to a system which falls within one of the four statutory categories of invention(process/apparatus). Accordingly, the claims will be further analyzed under revised step 2: Under step 2A (prong 1) of the Subject Matter Eligibility Test, it must be considered whether the claims recite a judicial exception if so, then determine in Prong Two if the recited judicial exception is integrated into a practical application of that exception. If the claim recites a judicial exception (i.e., an abstract idea), the claim requires further analysis in Prong Two. One of the enumerated groupings of abstract ideas is defined as certain methods of organizing human activity that includes fundamental economic principles or practices (including hedging, insurance, mitigating risk); commercial or legal interactions (including agreements in the form of contracts; legal obligations; advertising, marketing or sales activities or behaviors; business relations); managing personal behavior or relationships or interactions between people (including social activities, teaching, and following rules or instructions). See MPEP § 2106.04(a)(2). Regarding representative independent claim 1, recites the abstract idea of: receiving, …, a proxy from a first party, the proxy unique to a user, the proxy including a phone number specific to the user and/or an email address associated with the user; retrieving, …, masked data based on the proxy, the masked data including an indicator of at least one account, the indicator being independent of an account number specific to the at least one account; causing, …, the masked data to be displayed to the user, …, whereby the user is informed of the masked data prior to being authenticated; and then, receiving, …, a selection of one of the at least one account; and in response to the selection of the one of the at least one account: authenticating, …, the user, based on the received proxy; and in response to authenticating the user, transmitting, …, an account payload to the first party. The above-recited limitations amounts to certain methods of organizing human activity associated with sales activities and commercial interaction such as receiving a proxy, retrieving and causing display of masked data, and in response to receiving a selection of an account, authenticate the user and transmit account payload. Such concepts have been considered ineligible certain methods of organizing human activity by the Courts. See MPEP § 2106. The Step 2A (prong 2) of the Subject Matter Eligibility Test, is the next step in the eligibility analyses and looks at whether the abstract idea is integrated into a practical application. This requires an additional element or combination of additional elements in the claims to apply, rely on, or use the judicial exception in a manner that imposes a meaningful limit on the judicial exception, such that the claim is more than a drafting effort designed to monopolize the exception. See MPEP § 2106. In this instance, the claims recite the additional elements such as: A computer-implemented method for use in reducing friction in network-based communication, the method comprising:…, at a platform computing device, …; …, by the platform computing device,…, at a communication device of the user, …; …, by the platform computing device, …; and …, by the platform computing device, …; and …, by the platform computing device, …. (Claim 1); …, at the communication device (Claims 4, 12, and 19); … the communication device … (Claims 5, 13, and 18); … a website of the first party; and … via the website of the first party (Claim 6); A non-transitory computer readable storage medium including executable instructions for use in reducing friction in network-based communication, which when executed by at least one processor of a platform, cause the at least one processor to:…, at a communication device of the user, … (Claim 9); … when executed by the at least one processor, cause the at least one processor,… (Claims 12, 13, and 15); A system for use in reducing friction in network-based communication, the system comprising: a platform computing device, which is configured to:…, at a communication device of the user, ...(Claim 16). However, these elements do not amount to an improvement in the functioning of a computer or any other technology or technical field, apply the judicial exception with, or by use of, a particular machine, or apply or use the judicial exception in some other meaningful way beyond generally linking the use of the judicial exception to a particular technological environment, such that the claim as a whole is more than a drafting effort designed to monopolize the exception. Independent claims and dependent claims also fail to recite elements which amount to an improvement in the functioning of a computer or any other technology or technical field, apply the judicial exception with, or by use of, a particular machine, or apply or use the judicial exception in some other meaningful way beyond generally linking the use of the judicial exception to a particular technological environment, such that the claim as a whole is more than a drafting effort designed to monopolize the exception. For example, independent claims and dependent claims are directed to the abstract idea itself and do not amount to an integration according to any one of the considerations above. Step 2B is the next step in the eligibility analyses and evaluates whether the claims recite additional elements that amount to an inventive concept (i.e., “significantly more”) than the recited judicial exception. According to Office procedure, revised Step 2A overlaps with Step 2B, and thus, many of the considerations need not be re-evaluated in Step 2B because the answer will be the same. See MPEP § 2106. In Step 2A, several additional elements were identified as additional limitations: A computer-implemented method for use in reducing friction in network-based communication, the method comprising:…, at a platform computing device, …; …, by the platform computing device,…, at a communication device of the user, …; …, by the platform computing device, …; and …, by the platform computing device, …; and …, by the platform computing device, …. (Claim 1); …, at the communication device (Claims 4, 12, and 19); … the communication device … (Claims 5, 13, and 18); … a website of the first party; and … via the website of the first party (Claim 6); A non-transitory computer readable storage medium including executable instructions for use in reducing friction in network-based communication, which when executed by at least one processor of a platform, cause the at least one processor to:…, at a communication device of the user, … (Claim 9); … when executed by the at least one processor, cause the at least one processor,… (Claims 12, 13, and 15); A system for use in reducing friction in network-based communication, the system comprising: a platform computing device, which is configured to:…, at a communication device of the user, ...(Claim 16). These additional limitations, including the limitations in the independent claims and dependent claims, do not amount to an inventive concept because the recitations above do not amount to an improvement in the functioning of a computer or any other technology or technical field, apply the judicial exception with, or by use of, a particular machine, or apply or use the judicial exception in some other meaningful way beyond generally linking the use of the judicial exception to a particular technological environment, such that the claim as a whole is more than a drafting effort designed to monopolize the exception. In addition, they were already analyzed under Step 2A and did not amount to a practical application of the abstract idea. For these reasons, the claims are rejected under 35 U.S.C. 101. 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. Claim(s) 1-6, 8-13, and 15-19 are rejected under 35 U.S.C. 103 as being unpatentable over McCarthy et al. (US Pub. No. 20200065789 A1, “hereinafter McCarthy”) in view of Sahoo et al. (US Pub. No. 20190050600 A1, hereinafter “Sahoo”). Regarding claims 1, 9, and 16 McCarthy discloses a computer-implemented method for use in reducing friction in network-based communication, the method comprising (McCarthy, [0017]: networks; [0018]:computer implemented and reduced integration complexity): receiving, at a platform computing device, a proxy from a first party, the proxy unique to a user, the proxy including a phone number specific to the user and/or an email address associated with the user (McCarthy, [0019]: a secure remote commerce (SRC) platform; [0020]: Each SRC system 102 coordinates messages and transactions among transaction participants (including the customer, the DSA 106, the SRCI 108 and the DCF 110) in order to facilitate remote card payments; [0022]: SRCI 108 may be operated by a merchant; FIG. 1, [0025]: SRCI exchanges SRC data (e.g. consumer’s email and phone number) with SRC; [0036] When an authorization involves a browser, a consumer identity is established via a natural-identifier such as the consumer's email and/or phone number used to authenticate the user); retrieving, by the platform computing device, masked data based on the proxy, the masked data including an indicator of at least one account, the indicator being independent of an account number specific to the at least one account; causing, by the platform computing device, the masked data to be displayed to the user, at a communication device of the user, …(McCarthy, [0043]: card and consumer information is returned as message as masked to SRCI such as masked Cards (e.g. link to card art image, payment network ID, etc.); [0047]: SRCI is provided with masked card data; FIG. 9C, [0067]: As shown in FIG. 9C, a display is presented to the user which shows cards that may be selected for use by the user. The display may show card art associated with each card); and then, receiving, by the platform computing device, a selection of one of the at least one account; and in response to the selection of the one of the at least one account: authenticating, by the platform computing device, the user, based on the received proxy; and in response to authenticating the user, transmitting, by the platform computing device, an account payload to the first party (McCarthy, [0025]: Other messages between the SRCI 108 and SRC system 102 include payload data which is created by the SRC system 102 and sent to the SRCI 108 to enable payment authorization to be performed. The payload data may include consumer information (such as, for example, email and phone number), information identifying the digital card selected for use in the transaction by the user; FIGS. 3A-3B, [0050]: SRCI collects selection from consumer of which card to use for the transaction, SRCI 108 invokes a payload request API to retrieve the payload directly from the SRC 102 and SRCI 108 then uses the encrypted payload to create a standard payment system authorization request message to request authorization of the transaction transmitted to a payment network and an authorization response is communicated from SRCI to SRC); [0034] The clientAuthorization (or Client Digital authorization) will be used in order to certify that the payload can be accessed by the requesting SRCI 108. This is meant to enable the payload retrieval by the merchant server; [0036] a consumer identity is established via a natural-identifier such as the consumer's email and/or phone number used to authenticate the user; [0045]: consumer identity authenticated with OTP sent to consumers email or phone; [0037]: SRCI makes a payload request to an SRC 102 in order to receive an encrypted payload which contains a consumer's selected payment card information and then identity of SRCI is authenticated to ensure that the encrypted payload is provided to authenticated entities; [0022]: SRCI 108 may be operated by a merchant). McCarthy does not teach: whereby the user is informed of the masked data prior to being authenticated. However, Sahoo teaches whereby the user is informed of the masked data prior to being authenticated (Sahoo, FIGS. 5A, 5C and 5D, [0036]: FIG. 5A, displays masked version of notification message to user before user authentication. FIG. 5C, swiping right on the displayed masked notification message 320 may cause an alternate user interface element 510 to be displayed to allow the user to request presentation of the unmasked version of the notification message. For instance, upon selecting the interface element 510, a user authentication prompt 515 may be presented on the user interface such as illustrated in FIG. 5D where the authentication may only authenticate the user to allow presentation of the unmasked notification message). It would have been obvious to one of ordinary skill in the art before the effective filing date of the claimed invention was made to have modified the masked data and user authentication of McCarthy with informing the user of masked data prior to being authenticated as taught by Sahoo because the results of such a modification would be predictable. Specifically, McCarthy would continue to teach the masked data and user authentication except that now informing the user of masked data prior to being authenticated is taught according to the teachings of Sahoo in order to hide sensitive information. This is a predictable result of the combination. (Sahoo, [0036]). Regarding claims 2 and 10 The combination of McCarthy and Sahoo teaches the computer-implemented method of claim 1, wherein the at least one account includes a first account and a second account; wherein the indicator of the first account includes a name of the first account and the indicator of the second account includes a name of the second account; and wherein the selection of the one of the at least one account includes a selection of the first account (McCarthy, [0027]: one or more payment accounts for consumer; [0035]: The cardAuthorization should contain a unique identifier that corresponds to the card; [0043]: card information associated with the consumer in a complex object referred to as “maskedCards” including access to card art image; [0050]: collects selections and other information from the consumer (e.g., such as a selection of which card from the “maskedCards” data the consumer wishes to use in the transaction); FIG. 9C, [0067] As shown in FIG. 9C, a display is presented to the user which shows cards that may be selected for use by the user. The display may show card art associated with each card as well as a name or other information associated with each card). Regarding claims 3 and 11 The combination of McCarthy and Sahoo teaches the computer-implemented method of claim 2, wherein the indicator for the first account includes card art for the first account (McCarthy, [0027]: one or more payment accounts for consumer; [0043]: access to card art image; [0050]: collects selections and other information from the consumer (e.g., such as a selection of which card from the “maskedCards” data the consumer wishes to use in the transaction); FIG. 9C, [0067] As shown in FIG. 9C, display may show card art associated with each card). Regarding claims 4, 12, and 19 The combination of McCarthy and Sahoo teaches the computer-implemented method of claim 1, wherein authenticating the user includes: generating and transmitting a first one-time-passcode (OTP) to the user, at the communication device; receiving a second OTP from the user, via the first party; and matching the first OTP to the second OTP, whereby a match indicates the user being authenticated successfully (McCarthy, FIG. 4A, [0045]:authentication includes processing in which the SRCI 108 interacts with an Identity Verification API (shown in FIG. 4A at message [05]) with the SRC system 102 resulting in a one-time password (“OTP”) being sent out of band to the consumer (e.g., to the consumer's email or phone), and the consumer's identity is thereby authenticated. Once the consumer has been authenticated at 212, the SRCI 108 again attempts to identify the appropriate SRC 102 to complete the checkout process (as described above). Once the appropriate SRC 102 is identified, processing continues at 208 as the SCM 108 interacts with the appropriate SRC 102 to complete the checkout process). Regarding claims 5, 13, and 18 The combination of McCarthy and Sahoo teaches the computer-implemented method of claim 1, further comprising receiving a device identifier (ID) specific to the communication device with the selection of the one of the at least one account; and wherein authenticating the user includes authenticating the user based on the device ID, without any further data from the user (McCarthy, [0036]: user authenticated via identifier for telephone device and recognized users are issued a cryptographically signed JWT vouching for the user's identity; [0044] performing an Identity Lookup at [03] to transmit consumer information (such as phone number) to the SRC systems 102a-n to determine if any recognize the consumer based on that information. If an SRC system 102 recognizes the consumer, processing continues at 212 where the consumer is authenticated; [0045]: authentication includes processing in which the SRCI 108 interacts with an Identity Verification API to authenticate using phone number of consumer; [0032]: authorization based on identifier corresponding to device). Regarding claim 6 The combination of McCarthy and Sahoo teaches the computer-implemented method of claim 5, wherein authenticating the user is further based on a recognition token associated with a website of the first party; and wherein receiving the proxy includes receiving the proxy via the website of the first party (McCarthy, [0032] The appInstanceAuthorization is a long-lived authorization that is meant to allow access to cards and/or consumer information that has been bound to a consumer's browser; [0036] When an authorization involves a browser, user authenticated via identifier for telephone device and recognized users are issued a cryptographically signed JWT vouching for the user's identity; [0044] performing an Identity Lookup at [03] to transmit consumer information (such as phone number) to the SRC systems 102a-n to determine if any recognize the consumer based on that information. If an SRC system 102 recognizes the consumer, processing continues at 212 where the consumer is authenticated; [0037] These authorizations are used, for example, as bearer tokens; [0042]: an appInstanceIdentifier (identifying the user's browser or application); [0038]: If the receiving SRC 102 is able to authenticate the token(s), it responds with an “appInstanceIdentifier” which is used to identify the connecting application instance in future sessions. Other bearer tokens may be used, although JWT tokens are believed to provide particularly desirable results in systems of the present invention; [0030]: web token; [0024] The browser 104 is a web browser or other application associated with a user device). Regarding claims 8 and 15 The combination of McCarthy and Sahoo teaches the computer-implemented method of claim 7, wherein the account payload includes a payment account credential for the account; and further comprising, receiving an authorization request including the payment account credential, from an acquirer institution associated with the first party (McCarthy, [0025]: credentials to facilitate the secure exchange of data between participants such as different entities and devices and payload data which is created by the SRC system 102 and sent to the SRCI 108 to enable payment authorization to be performed; [0020]: different entities (e.g. Mastercard); [0021]: different entities (e.g. an financial account issuer, a merchant, a browser provider); [0026]: the generation of transaction credentials which can be used to transact through an acquiring channel; [0027]: one or more financial institutions that function as acquirers or issuers of payment accounts; [0050]: Collect selections from consumers of which payment account is selected which is provided to DCF 110 that then requests that the SRC 102 prepare transaction credentials. The SRC 102 upon receipt of the request to prepare transaction credentials, responds with a transaction identifier, an expiry of the transaction credentials, and an encrypted payload that provides a standardized, consistent and secure set of customer payment information that is provided to merchants (through SRCIs) to facilitate transactions and receive communication). Regarding claim 17 The combination of McCarthy and Sahoo teaches the system of claim 16, wherein the at least one account includes a first account and a second account; wherein the indicator of the first account includes a name of the first account and card art for the first account; and wherein the indicator of the second account includes a name of the second account and card art for the second account (McCarthy, [0027]: one or more payment accounts for consumer; [0035]: The cardAuthorization should contain a unique identifier that corresponds to the card; [0043]: card information associated with the consumer in a complex object referred to as “maskedCards” including access to card art image; [0050]: collects selections and other information from the consumer (e.g., such as a selection of which card from the “maskedCards” data the consumer wishes to use in the transaction); FIG. 9C, [0067] As shown in FIG. 9C, a display is presented to the user which shows cards that may be selected for use by the user. The display may show card art associated with each card as well as a name or other information associated with each card). Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure is cited as Hardt et al. (US 12314430 B1) related to protecting a user's private data and information regarding their browsing and other on-line activities, Parento et al. (US Pub. No. 20190108508 A1) conducting payment transactions using mobile devices, and non-patent literature, Unbreakable distributed storage with quantum key distribution network and password-authenticated secret sharing, related to a password-authenticated secret sharing scheme and masking data. 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 LATASHA DEVI RAMPHAL whose telephone number is (571)272-2644. The examiner can normally be reached 11 AM - 7:30 PM (EST). 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 supervisors, Marissa Thein can be reached at (571) 272-6764 and Kambiz Abdi can be reached at (571) 272-6702. 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. /LATASHA D RAMPHAL/Examiner, Art Unit 3688
Read full office action

Prosecution Timeline

Mar 26, 2024
Application Filed
Mar 20, 2026
Non-Final Rejection mailed — §101, §103
Jun 18, 2026
Response Filed
Aug 21, 2026
Final Rejection mailed — §101, §103 (current)

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Prosecution Projections

3-4
Expected OA Rounds
33%
Grant Probability
82%
With Interview (+48.3%)
3y 7m (~1y 1m remaining)
Median Time to Grant
Moderate
PTA Risk
Based on 201 resolved cases by this examiner. Grant probability derived from career allowance rate.

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