Prosecution Insights
Last updated: April 19, 2026
Application No. 18/787,852

SECURE CARD

Non-Final OA §103
Filed
Jul 29, 2024
Examiner
MAI, THIEN T
Art Unit
2876
Tech Center
2800 — Semiconductors & Electrical Systems
Assignee
VISA INTERNATIONAL SERVICE ASSOCIATION
OA Round
3 (Non-Final)
59%
Grant Probability
Moderate
3-4
OA Rounds
3y 3m
To Grant
80%
With Interview

Examiner Intelligence

Grants 59% of resolved cases
59%
Career Allow Rate
397 granted / 678 resolved
-9.4% vs TC avg
Strong +21% interview lift
Without
With
+21.4%
Interview Lift
resolved cases with interview
Typical timeline
3y 3m
Avg Prosecution
41 currently pending
Career history
719
Total Applications
across all art units

Statute-Specific Performance

§101
8.0%
-32.0% vs TC avg
§103
52.5%
+12.5% vs TC avg
§102
20.1%
-19.9% vs TC avg
§112
15.2%
-24.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 678 resolved cases

Office Action

§103
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 . Continued Examination Under 37 CFR 1.114 A request for continued examination under 37 CFR 1.114, including the fee set forth in 37 CFR 1.17(e), was filed in this application after final rejection. Since this application is eligible for continued examination under 37 CFR 1.114, and the fee set forth in 37 CFR 1.17(e) has been timely paid, the finality of the previous Office action has been withdrawn pursuant to 37 CFR 1.114. Applicant's submission filed on 12/01/25 has been entered. Claim Rejections - 35 USC § 103 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) 1-7, 15 is/are rejected under 35 U.S.C. 103 as being unpatentable over Otero (US 20160246970) in view of Wahl (US 20220215216 ) Otero discloses 1. A secure card associated with an account of a cardholder, the secure card comprising: a card face comprising imperceptible card indicia including at least a portion of at least one of an account number, a name, a card verification value, or an expiration date (par. 45-48); and wherein the card face comprises an image 115S, wherein the imperceptible card indicia are encoded within the image (par. 31, 45-48) Otero discloses decoding data is stored on an issuer server (Otero discloses that the mobile 620 sends a request for decoding algorithm to the server 660, the request includes a copy of hidden information previously provided to the user when receiving the card; par. 74, 82; an encryption key unique associated with the card and the stenographic image along with a decoding algorithm is provided by the card issuer (par. 75, 91, 101-102). Otero further discloses issuer authorizing computer 660 issues and manages card account similar to issuer server 760 keeps identity records for license authentication, par. 101, 116; Otero is silent to a second portion is retrievable from the issuer server upon authentication, by an issuer, of the cardholder. Wahl discloses a visual code can comprise one or more graphical visual elements (e.g., one or more pictorial and/or textual datagrams …; par. 53) which can be disposed on the same or different objects (par. 143). The first code (i.e. 1510-1) is disposed on a physical object (par. 138, 144) and the second code (i.e. 1510-2) may be a virtual code displayed on the user device prior to, during, or subsequent to capturing an image/video of the first code, which may require biometric authentication (par. 139). Wahl further discloses the different portions of the visual code can be decoded using, respectively, different first and second scanning systems such as the user device and a server (par. 71-72, 104, 144-148, 155, 165). The visual code, comprising first portion or second portion or both, can be scanned and decoded/deciphered by the user device application or can be sent to the control entity server for decoding and deciphering/decrypting (par. 104). The second portion of the visual code may be provided in an augmented reality environment associated with the user (or the user's proxy) (e.g., the user's profile in eMAR, pharmacy database, healthcare insurance database, etc.) (par. 54, 145). Such augmented reality environment of the user's personal device may be operatively in communication with a database of airlines or luggage courier services, such that the airlines or the luggage courier services may track and ensure that the luggage is retrieved by the owner (par. 165). Wahl further discloses a remote computer 1401 or server 1302 in communication with the scanner in the user’s electronic device configured to regulate, analyze, and process the visual code captured by the scanner (par. 179-185). Therefore, it would have been obvious to one of ordinary skill in the art before the effective date the invention was made to incorporate the teachings of Wahl so that all re-constructable codes can be stored on a server for access and retrieval, thereby minimizing the burden to store them on a scanner. Furthermore, as can be seen in Wahl, the user needs to activate the GUI 1504 and be authenticated by fingerprint and/or retina screening, which can be done after the user taking the image/video of the code (par. 139). Thus, based on the fact that the remote server/computer can control the process of taking the image and processing it and there is an expressed need for biometric authentication, it would have also been obvious to modify Wahl such that when an image/video data being sent to the remote server/computer, a biometric authentication being performed to ensure secure protection for the remote server/computer. 2.1, wherein the image comprises at least one of a pattern, a symbol, shape, number, or icon, or combinations thereof (Fig. 1). 3.2, further comprising a physical card (Otero, par. 21, 30). 4.3, wherein the image is an image print on the physical card (Otero, par. 30, 45). 5.1, wherein the card face is defined by a card surface; and wherein the image is disposed on the card surface (Otero, Fig. 1). 6.1, wherein the imperceptible card indicia are encrypted (Otero, par. 38, 75). 7.1, wherein the card shows an unencoded remainder of: the account number, the name, card verification value, or the expiration date (Otero, par. 51-53, 56+). Re claims 15, see discussion regarding claims above. Claim(s) 16 is/are rejected under 35 U.S.C. 103 as being unpatentable over Otero (US 20160246970) Wahl (US 20220215216 ) in view of CN962 (CN 112101962 ) Re claim 16.15, wherein generating the image comprises: converting the card information into binary data. incorporating the binary data into image data associated with the image CN962 discloses that encrypted data is converted into binary data which is then incorporated into an image Therefore, it would have been obvious to one of ordinary skill in the art before the effective date the invention was made to incorporate the teachings of CN962 to further secure and provided protection for the user. Claim(s) 17-19 is/are rejected under 35 U.S.C. 103 as being unpatentable over Otero (US 20160246970) Wahl (US 20220215216 ) CN962 (CN 112101962 ) in view of Dougharty (US 20140093070) Re claim 17.16, Otero is silent to further comprising: encrypting the first portion of the card information prior to generating the image Dougharty discloses user data is encrypted prior to forming an optical code comprising at least a first and a second codes 202-216 (Fig. 1-3, par. 32-36) Therefore, it would have been obvious to one of ordinary skill in the art before the effective date the invention was made to incorporate the teachings of Dougharty so that the first code can be encrypted in cases where the first code is desirably protected by encryption. Re claim 18-19.15, wherein the decoding data enable the user device to extract the card information from image data retrieved from the image (Dougharty, Fig. 1-3, par. 32-36) Response to Arguments Applicant’s arguments have been considered but are moot in view of new ground of rejection. Applicant argues that Wahl does not disclose that the second portion is retrievable from the issuer server. Applicant further argues that Wahl does not disclose that the card indica are encoded by the issuer server, the cardholder is authenticated by the issuer, and that the decoding data is transmitted from the issuer server. However, upon further review, the combined teachings of Otero and Wahl can still meet the current claims as discussed above. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to THIEN MAI whose telephone number is (571)272-8283. The examiner can normally be reached M-F 8-5pm. 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, Steven Paik can be reached at 571-272-2404. 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. /THIEN T MAI/ Primary Examiner, Art Unit 2876
Read full office action

Prosecution Timeline

Jul 29, 2024
Application Filed
May 03, 2025
Non-Final Rejection — §103
Jul 29, 2025
Response Filed
Oct 04, 2025
Final Rejection — §103
Nov 24, 2025
Response after Non-Final Action
Dec 01, 2025
Request for Continued Examination
Dec 04, 2025
Response after Non-Final Action
Feb 07, 2026
Non-Final Rejection — §103
Apr 14, 2026
Interview Requested

Precedent Cases

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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
59%
Grant Probability
80%
With Interview (+21.4%)
3y 3m
Median Time to Grant
High
PTA Risk
Based on 678 resolved cases by this examiner. Grant probability derived from career allow rate.

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