DETAILED ACTION
The present application is being examined under the pre-AIA first to invent provisions.
Information Disclosure Statement
The IDS filed August 1, 2024 has been considered.
Double Patenting
The nonstatutory double patenting rejection is based on a judicially created doctrine grounded in public policy (a policy reflected in the statute) so as to prevent the unjustified or improper timewise extension of the “right to exclude” granted by a patent and to prevent possible harassment by multiple assignees. A nonstatutory double patenting rejection is appropriate where the conflicting claims are not identical, but at least one examined application claim is not patentably distinct from the reference claim(s) because the examined application claim is either anticipated by, or would have been obvious over, the reference claim(s). See, e.g., In re Berg, 140 F.3d 1428, 46 USPQ2d 1226 (Fed. Cir. 1998); In re Goodman, 11 F.3d 1046, 29 USPQ2d 2010 (Fed. Cir. 1993); In re Longi, 759 F.2d 887, 225 USPQ 645 (Fed. Cir. 1985); In re Van Ornum, 686 F.2d 937, 214 USPQ 761 (CCPA 1982); In re Vogel, 422 F.2d 438, 164 USPQ 619 (CCPA 1970); In re Thorington, 418 F.2d 528, 163 USPQ 644 (CCPA 1969).
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Claims 1, 10 and 16 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1, 9, 16 and 18 of U.S. Patent No. 10,135,775. See claim correspondence table below. Although the claims at issue are not identical, they are not patentably distinct from each other because the present independent claims are anticipated by the patent. The difference is that the present claims are much broader because they only recite a few elements from the patent. Before the effective filing date, one of ordinary skill in the art would have been motivated to broaden the claims in order to seek broader patent protection.
Present Application
U.S. Patent No. 10,135,775
1. A method, comprising: obtaining, by a device, transaction information identifying a transaction and a third party corresponding to the transaction; and providing, by the device, a set of instructions to cause a user interface to display a first set of messages, corresponding to the third party, in accordance with a user interface configuration, wherein the first set of messages are displayed in accordance with a first ranking of the first set of messages relative to a second ranking of a second set of messages corresponding to another third party.
10. A system comprising: one or more processors; one or more memories coupled to the one or more processors, the one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to: receive transaction information identifying a transaction and a third party corresponding to the transaction; determine a user interface configuration of an application of a user device based at least in part on a first set of messages, wherein the first set of messages are displayed based at least in part on a ranking of the first set of messages relative to other messages corresponding to another third party; and provide instructions to the user device to configure a user interface to display the first set of messages based at least in part on the user interface configuration.
16. A non-transitory computer-readable medium storing instructions, the instructions comprising: one or more instructions that, when executed by one or more processors, cause the one or more processors to: receive transaction information identifying a transaction and a third party corresponding to the transaction; determine a user interface configuration of an application installed on a device in accordance with a first set of messages, wherein the first set of messages correspond to the third party, and wherein the first set of messages are displayed in accordance with a first ranking of the first set of messages relative to a second ranking of a second set of messages; and provide instructions to cause a user interface to display the first set of messages in accordance with the user interface configuration.
16. A method, comprising: receiving, by a device, transaction information related to a set of transactions, the transaction information identifying a set of third parties associated with the set of transactions; accessing, by the device and by using access information, an electronic messaging account associated with an individual with which the transaction information is associated; processing, by the device, messages in the electronic messaging account using a set of processing techniques after accessing the electronic messaging account; identifying, by the device and in the electronic messaging account, a set of messages associated with the set of third parties; determining, by the device and after receiving the transaction information, a score for each of the set of third parties based on one or more factors; determining, by the device and based on the score for each of the set of third parties, a manner in which to configure a user interface of an application associated with a user device to display the set of messages based on the transaction information, the user device being associated with the individual; detecting, by the device, that the individual has opened the application via the user device; and providing, by the device, a set of instructions to the user device to configure the user interface of the application to display the set of messages, the set of instructions causing the user interface to display a message, in the set of messages, with information relating to a transaction in the set of transactions.
18. The method of claim 16, further comprising: determining a ranking for each of the set of third parties based on the score for each of the set of third parties; and where determining the manner in which to configure the user interface comprises: determining the manner in which to configure the user interface based on the ranking for each of the set of third parties.
1. A device, comprising: one or more memories; and one or more processors, communicatively coupled to the one or more memories, configured to: receive transaction information that identifies a set of third parties, the set of third parties being associated with a set of transactions; process messages in an electronic messaging account using a set of processing techniques after receiving the transaction information, the set of processing techniques including: a text processing technique, an image processing technique, an audio processing technique, or a machine learning technique; identify, in the electronic messaging account, a set of messages associated with the set of third parties, the electronic messaging account being associated with an individual associated with the set of transactions; determine, after receiving the transaction information, a score for each of the set of third parties based on one or more factors; determine, based on the score for each of the set of third parties, a manner in which to configure a user interface of an application associated with a user device to display the set of messages based on the transaction information, the user device being associated with the individual; detect that the individual has opened the application via the user device; and provide a set of instructions to the user device to configure the user interface of the application to display the set of messages.
9. A non-transitory computer-readable medium storing instructions, the instructions comprising: one or more instructions that, when executed by one or more processors, cause the one or more processors to: receive transaction information that identifies a set of third parties, the set of third parties being associated with a set of transactions; process messages in an electronic messaging account using a set of processing techniques after receiving the transaction information, the messages including a first set of messages related to the set of third parties associated with the set of transactions, the messages including a second set of messages related another set of third parties not associated with the set of transactions; identify, in the electronic messaging account, the first set of messages associated with the set of third parties, the electronic messaging account being associated with an individual associated with the set of transactions; determine to prioritize a first subset of messages, of the first set of messages, higher relative to a second subset of messages, of the first set of messages, based on the transaction information, the first subset of messages and the second subset of messages being associated with different third parties of the set of third parties; determine, based on the determination to prioritize the first subset of messages higher relative to the second subset of messages, a manner in which to configure a user interface of an application associated with a user device to display the first set of messages based on the transaction information, the user device being associated with the individual; and provide a set of instructions to the user device to configure the user interface of the application to display the first set of messages.
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) 1-20 is/are rejected under 35 U.S.C. 103 as being unpatentable over GRASSADONIA (US 20180005323) in view of Zhang et al. (US 20140046976, hereinafter referred to as "Zhang").
Regarding claim 1, Grassadonia teaches a method, comprising:
obtaining, by a device, transaction information identifying a transaction (abstract - a server that receives a plurality of financial transactions and stores information corresponding to those transactions in a database) and a third party ([0038] System of record server 105 can be hosted by a bank 116 or a third party that provides a service to a bank 116.) corresponding to the transaction ([0067] The GUI of FIG. 5 also includes an input field 517 and send button 515 at the bottom of the GUI. A user could, for instance, send money to a third party or record a note in the account using the input field 517 and send button 515. To send money, the user could insert an identifier of the third party); and
providing, by the device, a set of instructions to cause a user interface to display a first set of messages, corresponding to the third party, in accordance with a user interface configuration (figure 5; [0060] transactions involving predefined parties can appear on one side or the other. Some embodiments can allow the user to configure which transactions appear on which side of the GUI.).
However, Grassadonia does not explicitly teach wherein the first set of messages are displayed in accordance with a first ranking of the first set of messages relative to a second ranking of a second set of messages corresponding to another third party.
Zhang teaches wherein the first set of messages are displayed in accordance with a first ranking of the first set of messages relative to a second ranking of a second set of messages corresponding to another third party ([0050] Furthermore, when the available data units for display are multiple, they can not only be ranked by a relevance criterion when displayed in a list format, but also displayed in a hierarchical structure such as a tree format, or a graph or a chart format.).
Before the effective filing date of the invention, one of ordinary skill in the art would have been motivated to display the messages in accordance with a first ranking of the first set of messages relative to a second ranking of a second set of messages corresponding to another third party in order to allow the transaction information to be displayed based on their ranking, thus presenting user with effective transaction-driven user interface.
Regarding claim 2, Grassadonia teaches the method of claim 1, further comprising: receiving access information that permits access to the first set of messages ([0046] username and password).
Regarding claim 3, Grassadonia teaches the method of claim 1, wherein the first ranking and the second ranking are determined based at least in part on one or more factors including timestamps, transaction values, locations, or message types ([0029] data fields that may be included the digital message may include a merchant identifier (merchant ID), a merchant category code (MCC), an amount for the transaction, a timestamp (e.g., data, time), and a card number).
Regarding claim 4, Grassadonia teaches the method of claim 1, further comprising: processing the first set of messages using a text processing technique, an audio processing technique, or an image processing technique to identify the transaction and the third party ([0089] he customized client can further provide a channel of communication between respective client devices of a sender 740 and a recipient 742 (e.g., a channel that enables transmission of one or more electronic messages including, e.g., text, audio, and/or video). For example, the customized client enables an instant exchange of electronic messages between the respective client devices. Other example messaging applications and/or messaging servers can include an email application and email server or a social networking messaging application and a social networking server.).
Regarding claim 5, Grassadonia teaches the method of claim 1, wherein the transaction information is received from a transaction backend device ([0046] backend services provided by the bank 116 and system of record server 105 are not visible to the user.).
Regarding claim 6, Grassadonia teaches the method of claim 1, wherein the set of instructions is provided to a user device via an application programming interface (API) ([0037] Server 104 can use API 114 to communicate with client device 115 over user-facing network 111).
Regarding claim 7, Grassadonia does not explicitly teach the method of claim 1, wherein the user interface configuration is determined based at least in part on a location of a user device. Zhang teaches wherein the user interface configuration is determined based at least in part on a location of a user device ([0134] [0134] the format can be adapted with improved methods for different environments). Before the effective filing date of the invention, one of ordinary skill in the art would have been motivated to configure the user interface based on a location of the user in order to display to user based on context, thus enabling user to adapt to different locations.
Regarding claim 8, Grassadonia does not teach the method of claim 1, wherein the user interface configuration is determined based at least in part on detecting that a user device is at a location associated with the third party. Zhang teaches wherein the user interface configuration is determined based at least in part on detecting that a user device is at a location associated with the third party ([0134] the format can be adapted with improved methods for different environments). Before the effective filing date of the invention, one of ordinary skill in the art would have been motivated to configure the user interface based on a location of the user in order to display to user based on context, thus enabling user to adapt to different locations.
Regarding claim 9, Grassadonia teaches the method of claim 1, wherein the user interface configuration is determined based at least in part on accessing a calendar event associated with the user of the device ([0064] date/time of transaction).
Claim 10 is similar to claim 1, therefore is rejected under the same rationale. Claim 10 differs in that it is a system comprising one or more processors; and one or more memories coupled to the one or more processors. Grassadonia teaches a system comprising one or more processors; and one or more memories coupled to the one or more processors ([0028] The client device can include one or more client applications stored in memory and executed on one or more processors).
Regarding claim 11, Grassadonia teaches the system of claim 10, wherein the one or more memories further include instructions that, when executed, cause the one or more processors to categorize the first set of messages into different types based at least in part on content relating to the first set of messages ([0048] While some embodiment can allow for manual creation of sub-accounts, embodiments can also include automated creation of sub-accounts. For instance, if a user has a predetermined number of transactions within a certain category, e.g., restaurants, clothing, or food, the server 104 can automatically generate of suggest sub-accounts fitting these predetermined categories. The balances of these sub-accounts can be automatically determined based on the past transactions. For instance, the balance can be set to cover the average expenditure on the category, such that the server 104 can automatically notify the user if they exceed the monthly budget. Alternative embodiments can set the budget to the maximum prior monthly spend on in the category. If the server suggests a sub-account and corresponding budget, then the server can automatically deposit funds into the account every month, based on the suggested balance or a manually entered budget that the user assigns.).
Regarding claim 12, Grassadonia teaches the system of claim 10, wherein the user device includes a mobile device, a tablet, or a desktop computer ([0040] Client device 115 is illustrated in FIG. 1 as a smartphone, but can be any computing device, such as any mobile phone, tablet, smart watch, personal data assistant, gaming console, or personal computer.).
Regarding claim 13, Grassadonia does not teach the system of claim 10, wherein the one or more memories further include instructions that, when executed, cause the one or more processors to dynamically update message rankings as new transaction information is received. Zhang teaches wherein the one or more memories further include instructions that, when executed, cause the one or more processors to dynamically update message rankings as new transaction information is received ([0054] In some embodiments, entries in the company topic index can be ranked based on the importance of the entries in the index. For example, words or phrases such as "product quality", "market segments", "budgeting", "cost", "salary", "benefit", etc., may occur more frequently either in company documents or emails, or in table names or record names in various types of databases, and can be ranked higher than other terms.). Before the effective filing date of the invention, one of ordinary skill in the art would have been motivated to dynamically update message rankings as new transaction information is received in order to ensure that the ranking keeps up with user’s preferences thus making the ranking more efficient.
Regarding claim 14, Grassadonia the system of claim 10, wherein the one or more memories further include instructions that, when executed, cause the one or more processors to aggregate the first set of messages from a plurality of electronic messaging accounts ([0047] data from sub-accounts).
Regarding claim 15, Grassadonia teaches the system of claim 10, wherein determining the user interface configuration includes analyzing the first set of messages based at least in part on the transaction information to determine a relevance of the first set of messages with respect to the transaction information ([0016] FIG. 10 illustrates another exemplary embodiment of a notification using analytics. Notification 1001 is also from “Bills” and states, “You just received your paycheck! Your balance is now $2,035.20. Want to send your rent check now?” In this example, server 104 can compute and determine that the user did not have enough funds to pay a bill, e.g., the rent, prior to receiving their paycheck, and can therefore proactively remind the user to pay the rent once they receive their paycheck. The user can also request a reminder to pay the rent later.).
Claim 16 is similar to claim 1, therefore is rejected under the same rationale. Claim 10 differs in that it is a non-transitory computer-readable medium storing instructions, the instructions comprising: one or more instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of claim 1. Grassadonia teaches said non-transitory computer-readable medium ([0028] The client device can include one or more client applications stored in memory and executed on one or more processors).
Regarding claim 17, Grassadonia does not teach the non-transitory computer-readable medium of claim 16, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: prioritize messages based at least in part on a detected urgency of the transaction. Zhang teaches prioritize messages based at least in part on a detected urgency of the transaction ([0021] Furthermore, the system can also highlight or present action items, such as terms that indicate some sort of calendar event or urgent task in the email, especially, if a calendar event has a conflicting event in the user's calendar.). Before the effective filing date of the invention, one of ordinary skill in the art would have been motivated to prioritize the messages based on urgency in order to ensure that the user is notified of what is most important to him or her, thus making the messages more efficient.
Regarding claim 18, Grassadonia teaches the non-transitory computer-readable medium of claim 16, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: determine the user interface configuration based at least in part on user preferences or historical interaction patterns ([0075] Server 104 can make adjustments or provide notifications based on the predicted balance. For instance, a user can set up automatic bill pay such that the phone bill should be paid after the 10th of each month but before it is late, and server 104 is familiar enough with the user's transaction history to avoid automatically paying the bill until the user is paid sometime between the 10th and the 15th each month.).
Regarding claim 19, Grassadonia teaches the non-transitory computer-readable medium of claim 16, wherein the user interface configuration comprises notification settings for causing display of the first set of messages ([0054] The system may also optionally provide an automatic notification to the user of the updates to their accounts.).
Regarding claim 20, Grassadonia teaches the non-transitory computer-readable medium of claim 16, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: prioritize messages during a specified timeframe associated with the transaction ([0051] The user can establish settings or rules that all payments on a certain day/time period are from a particular logical account).
Conclusion
The prior art made of record and not relied upon is considered pertinent to applicant's disclosure.
1. Lee et al., US 20170054668 A1 - classifying message into a predefined group and displaying the message within the group.
2. Shyamsundar Kulkarni, US 20170255974 A1 - displaying message in group based on transaction.
3. Mao et al., US 20160309000 A1 - loading application specific interfaces associated with third party.
Any inquiry concerning this communication or earlier communications from the examiner should be directed to ALINA N BOUTAH whose telephone number is (571)272-3908. The examiner can normally be reached M-F 7:00 AM - 3:00 PM.
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ALINA BOUTAH
Primary Examiner
Art Unit 2458
/ALINA A BOUTAH/ Primary Examiner, Art Unit 2458