Prosecution Insights
Last updated: October 02, 2026
Application No. 18/791,782

MULTI-DIMENSIONAL VOICE QUALITY ANALYSIS TO DETECT FRAUD

Non-Final OA §102
Filed
Aug 01, 2024
Examiner
GAUTHIER, GERALD
Art Unit
2692
Tech Center
2600 — Communications
Assignee
Capital One Services LLC
OA Round
1 (Non-Final)
91%
Grant Probability
Favorable
1-2
OA Rounds
5m
Est. Remaining
98%
With Interview

Examiner Intelligence

Grants 91% — above average
91%
Career Allowance Rate
1670 granted / 1834 resolved
+29.1% vs TC avg
Moderate +7% lift
Without
With
+6.6%
Interview Lift
resolved cases with interview
Typical timeline
2y 7m
Avg Prosecution
24 currently pending
Career history
1845
Total Applications
across all art units

Statute-Specific Performance

§101
10.4%
-29.6% vs TC avg
§103
31.0%
-9.0% vs TC avg
§102
27.5%
-12.5% vs TC avg
§112
7.0%
-33.0% vs TC avg
Black line = Tech Center average estimate • Based on career data from 1834 resolved cases

Office Action

§102
DETAILED ACTION 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 . Election/Restrictions Applicant’s election without traverse of claims 1-13 in the reply filed on 05/21/2026 is acknowledged. Information Disclosure Statement The information disclosure statement (IDS) submitted on August 01, 2024 is in compliance with the provisions of 37 CFR 1.97. Accordingly, the information disclosure statement is being considered by the examiner. Claim Rejections - 35 USC § 102 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 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)(2) the claimed invention was described in a patent issued under section 151, or in an application for patent published or deemed published under section 122(b), in which the patent or application, as the case may be, names another inventor and was effectively filed before the effective filing date of the claimed invention. Claim(s) 8-9 is/are rejected under 35 U.S.C. 102(a)(2) as being anticipated by Hennig et al. (US 2022/0328050 A1). As to claim 8, Hennig discloses a method of detecting fraud using multi-dimensional voice analysis [§0001], comprising: receiving, from a telecommunications system [System 100 on FIG. 1] and at a voice analysis system [Authenticator component 102 on FIG. 1], an audio stream associated with a user [“The authenticator component receives audio signals relating to a session between a domain service and an unidentified user.” §0024]; providing, by the voice analysis system, the audio stream to a machine learning model in order to receive a plurality of indicators associated with the audio stream, wherein the plurality of indicators are associated with a tone of the user [“The AI component of the authenticator provides the audio signals to the machine learning model to facilitate making various determinations and inferences relating to identify the user. The examiner chooses a tone of a user, because of the simple or.” §0028, §0061, §0069]; estimating, by the voice analysis system, whether the audio stream is associated with the fraud based on the plurality of indicators; [“The voice verification components employs a fraud detector component to authenticate the unidentified user.” §0062]; and transmitting, from the voice analysis system and to an administrator device, an indication of whether the audio stream is associated with the fraud [“The machine learning model determines that the user voice is fraudulent voice and send it to the voice resemblance score relating to the voiceprint.” §0061 and §0063]. As to claim 9, Hennig discloses the method of claim 8, wherein the machine learning model is associated with a voice profile associated with the user [“The AI component of the authenticator provides the audio signals to the machine learning model to facilitate making various determinations and inferences relating to identify the user.” §0028, §0061, §0069]. Allowable Subject Matter Claims 1-7 are allowed. Claims 10-13 are objected to as being dependent upon a rejected base claim, but would be allowable if rewritten in independent form including all of the limitations of the base claim and any intervening claims. Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. See PTO-892 form. RAO et al. (US 2019/0037081 A1) discloses a system and method for fraud detection and management are provided. Any inquiry concerning this communication or earlier communications from the examiner should be directed to GERALD GAUTHIER whose telephone number is (571)272-7539. The examiner can normally be reached 8:00 AM to 4:30 PM. 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, CAROLYN R EDWARDS can be reached at (571) 270-7136. 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. /GERALD GAUTHIER/Primary Examiner, Art Unit 2692 August 4, 2026
Read full office action

Prosecution Timeline

Aug 01, 2024
Application Filed
Aug 06, 2026
Non-Final Rejection mailed — §102
Aug 19, 2026
Applicant Interview (Telephonic)
Aug 19, 2026
Examiner Interview Summary

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12748929
SUMMARIZING COLLABORATIVE DATA BASED ON DETERMINED USER INTEREST AND STATUS
3y 10m to grant Granted Sep 29, 2026
Patent 12749481
GENERATING AUDIO USING AUTO-REGRESSIVE GENERATIVE NEURAL NETWORKS
2y 4m to grant Granted Sep 29, 2026
Patent 12749491
AUTHENTICATION BY SPEECH AT A MACHINE
2y 2m to grant Granted Sep 29, 2026
Patent 12746471
SYSTEMS AND METHODS FOR IDENTIFYING A LOCATION OF A SOUND SOURCE
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Patent 12739562
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Study what changed to get past this examiner. Based on 5 most recent grants.

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Prosecution Projections

1-2
Expected OA Rounds
91%
Grant Probability
98%
With Interview (+6.6%)
2y 7m (~5m remaining)
Median Time to Grant
Low
PTA Risk
Based on 1834 resolved cases by this examiner. Grant probability derived from career allowance rate.

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