DETAILED ACTION
This communication is responsive to the application # 18/670,865 filed on May 22, 2024. By Supplemental amendment filed on January 07, 2026 Claims 21-40 are pending and are directed toward SYSTEMS AND METHODS FOR CARD INFORMATION MANAGEMENT.
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 . 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 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.
Claim Objections
Claim 37 is objected to because of the following informalities: The period is used in the middle of the claim as “device.”. Appropriate correction is required.
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.
Claims 21-28 and 34-40 are rejected under 35 U.S.C. 102(a)(1) as being unpatentable over Yang (Security Enhanced EMV-Based Mobile Payment Protocol, The Scientific World Journal Volume 2014, Article ID 864571, 19 pages), hereinafter referred to as Yang.
As per claim 34, Yang teaches a method, comprising: receiving, by a server, an authentication signal from a user device application comprising instructions for execution on a user device, and transmitting, by a server, an access token to a merchant server, wherein the access token is configured to request the initiation of a communication channel (Once the access code is verified, a user can unlock the protected credit card keys and data [44] and start the agent to run the client end payment protocol, as Figure 4 shows. The agent responds to the merchant’s EMV command SELECT with file control information (FCI). Yang, page 6).
As per claim 35, Yang teaches the method of claim 34, wherein the communication channel is between the user device application and the merchant server (Each command is sent by a merchant and responded by a virtual credit card on the phone. Yang, page 4).
As per claim 36, Yang teaches the method of claim 34, further comprising, prior to transmitting the access token to the merchant server, validating, by the server, the access token (When a user applies for a credit card from an issuing bank, he needs to use the private key SK𝑝 and the certificate Certaik𝑝 , which are distributed into his phone during initialization, to pass the authentication. Further, he is authorized to download the payment agent and set the agent’s access code. Finally, the issuing bank writes the following EMVrequired data into the user’s phone to create a virtual credit card [41, 42]. Yang, page 2).
Claims 21-28 and 34-40 have limitations similar to those treated in the above rejection, and are met by the references as discussed above, and are rejected for the same reasons of anticipation as used above.
Allowable Subject Matter
Claims 29-33 are indicated as allowable over cited prior art, because the cited by Examiner prior art does not teach limitations of claims 29-33 as currently presented.
As allowable subject matter has been indicated, applicant's reply must either comply with all formal requirements or specifically traverse each requirement not complied with. See 37 CFR 1.111(b) and MPEP § 707.07(a).
Conclusion
Any inquiry concerning this communication or earlier communications from the examiner should be directed to OLEG KORSAK whose telephone number is (571)270-1938. The examiner can normally be reached on 5:00 AM- 4:00 PM.
If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Rupal Dharia can be reached on (571) 272-3880. 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.
/OLEG KORSAK/
Primary Examiner, Art Unit 2492
Prosecution Insights