Prosecution Insights
Last updated: May 29, 2026
Application No. 18/945,431

SYSTEMS AND METHODS FOR AN APPLICATION PROGRAMMING INTERFACE BASED ACCOUNT CAPABILITIES FRAMEWORK

Non-Final OA §101
Filed
Nov 12, 2024
Priority
Feb 14, 2020 — continuation of 11/574,316 +1 more
Examiner
CHANG, EDWARD
Art Unit
3696
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Stripe, Inc.
OA Round
1 (Non-Final)
63%
Grant Probability
Moderate
1-2
OA Rounds
1y 9m
Est. Remaining
96%
With Interview

Examiner Intelligence

Grants 63% of resolved cases
63%
Career Allowance Rate
341 granted / 538 resolved
+11.4% vs TC avg
Strong +33% interview lift
Without
With
+32.8%
Interview Lift
resolved cases with interview
Typical timeline
3y 4m
Avg Prosecution
13 currently pending
Career history
557
Total Applications
across all art units

Statute-Specific Performance

§101
41.9%
+1.9% vs TC avg
§103
41.6%
+1.6% vs TC avg
§102
8.5%
-31.5% vs TC avg
§112
1.5%
-38.5% vs TC avg
Black line = Tech Center average estimate • Based on career data from 538 resolved cases

Office Action

§101
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 . DETAILED ACTION Status of Claims This action is in reply to the application filed on 12th of November 2024. Claims 1-20 are currently pending and have been examined. Information Disclosure Statement The Information Disclosure Statement filed 01/15/2025 has been considered. Initialed copy of the Form 1449 is enclosed herewith. Prior Art Not Relied Upon 4. The prior art made of record and not relied upon is considered pertinent to Applicant’s disclosure. (See MPEP §707.05). The Examiner considers the following reference pertinent for disclosing various features relevant to the invention, but not all the features of the invention, for at least the following reasons: Cooper et al. (U.S. Pub. No. 2003/0177028 A1) teaches system for remotely altering an account. Although the invention in Cooper describes altering an account data to initiate a transaction, it fails to disclose the following limitations of the current invention: “generating, by the API endpoint of the server system, a message having a format and content defined by the API endpoint of the server system, wherein the message indicates the minimum set of account data; transmitting, by the API endpoint of the server system over the network, the message to the user system; and in response to receiving, by the API endpoint of the server system, at least one response message from the user system that includes the minimum set of account data, activating the one or more processing services for the account of the user by a processing logic of the server system.” In summary, Cooper does not specifically teach the above steps to manage capabilities of an account of a user system. 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 1-20 are rejected under 35 U.S.C. 101 because the claimed invention is directed to abstract idea without significantly more. The claims recite abstract idea of organizing human activities. This judicial exception is not integrated into a practical application and the claims do not include additional elements that are sufficient to amount to significantly more than the judicial exception. Analysis First of all, claims are directed to one or more of the following statutory categories: a process, a machine, a manufacture, and a composition of matter. For claim 1, the claim recites an abstract idea of “…receiving…a request message from a user system that identifies an account of a user at the server system and includes one or more processing services requested for the account; determining…a set of account data to be collected to activate a corresponding processing service; determining… from the set of account data determined for each of the one or more processing services, a minimum set of account data to be collected before activation of the one or more processing services; generating…a message having a format and content defined by the API endpoint of the server system, wherein the message indicates the minimum set of account data; transmitting…the message to the user system; and in response to receiving…at least one response message from the user system that includes the minimum set of account data, activating the one or more processing services for the account of the user by a processing logic of the server system.” This is an abstract idea of a certain method of organizing human activity, since it recites a commercial or legal interactions and managing interactions between entities following specific rules, namely managing capabilities of an account of a user system at a commerce platform. Besides reciting the abstract idea, the remaining claim limitations recite generic computer components/processes (e.g., application programming interface (API), server system, API endpoint of the server system). “We conclude that claim 1 is “directed to a result or effect that itself is the abstract idea and merely invoke[s] generic processes and machinery” rather than “a specific means or method that improves the relevant technology.” Smart Sys. Innovations, LLC v. Chi. Transit Authority, 873 F.3d 1364, 1371 This recited abstract idea is not integrated into a practical application. In particular, the claim only recites generic computer components/processes (e.g., application programming interface (API), server system, API endpoint of the server system) to receive/transmit data (extra-solution activities) and perform the abstract idea mentioned above. (See at least MPEP 2016.05(g): CyberSource v. Retail Decisions, Inc., 654 F.3d 1366, 1375 (Fed. Cir. 2011); buySafe, Inc. v. Google, Inc., 765 F.3d 1350, 1355 (Fed. Cir. 2014); OIP Techs., Inc. v. Amazon.com, Inc., 788 F.3d 1359, 1363 (Fed. Cir. 2015); Ultramercial, Inc. v. Hulu, LLC, 772 F.3D 709, 715 (Fed. Cir. 2014); Electric Power Group, LLC v. Alstom S.A., 830 F.3d 1350, 1354-55 (Fed. Cir. 2016); Intellectual Ventures I LLC v. Erie Indem. Co., 850 F.3d 1315, 1328-29 (Fed. Cir. 2017); Ameranth, 842 F.3d at 1245, 120 USPQ2d at 1857; Trading Technologies v. IBG LLC, 921 F.3d 1084, 1093-94, 2019 USPQ2d 138290 (Fed. Cir. 2019)). The additional elements (e.g., application programming interface (API), server system, API endpoint of the server system) are recited at a high-level of generality such that they amount to no more than mere instructions to apply the exception using generic computer components or merely uses a computer as a tool to perform an abstract idea. Accordingly, these additional elements do not integrate the abstract idea into a practical application because they do not impose any meaningful limits on practicing the abstract idea. Therefore, the claim is directed to an abstract idea. The claim does not include additional elements that are sufficient to amount to significantly more than the judicial exception. As discussed above with respect to integration of the abstract idea into a practical application, the additional elements - (e.g., application programming interface (API), server system, API endpoint of the server system) amount to no more than mere instructions to apply the abstract idea using generic computer components or merely uses a computer as a tool to perform an abstract idea. In conclusion, merely “applying” the exception using generic computer components cannot provide an inventive concept. Therefore, the claim is not patent eligible under 35 USC 101. Again, the insignificant extra-solution activities mentioned above were re-evaluated in step 2B. The limitations do not amount to significantly more than the abstract idea because the courts found sending/receiving of data to be well understood, routine, and conventional activities. (See at least MPEP 2016.05(g): CyberSource v. Retail Decisions, Inc., 654 F.3d 1366, 1375 (Fed. Cir. 2011); buySafe, Inc. v. Google, Inc., 765 F.3d 1350, 1355 (Fed. Cir. 2014); OIP Techs., Inc. v. Amazon.com, Inc., 788 F.3d 1359, 1363 (Fed. Cir. 2015); Ultramercial, Inc. v. Hulu, LLC, 772 F.3D 709, 715 (Fed. Cir. 2014); Electric Power Group, LLC v. Alstom S.A., 830 F.3d 1350, 1354-55 (Fed. Cir. 2016); Intellectual Ventures I LLC v. Erie Indem. Co., 850 F.3d 1315, 1328-29 (Fed. Cir. 2017); Ameranth, 842 F.3d at 1245, 120 USPQ2d at 1857; Trading Technologies v. IBG LLC, 921 F.3d 1084, 1093-94, 2019 USPQ2d 138290 (Fed. Cir. 2019)). Thus again, claims were not patent eligible under 35 USC 101. Similar arguments can be extended to independent claims 8 and 15. Dependent claims 2-7, 9-14, and 16-20 have been given the full two-part analysis, analyzing the additional limitations both individually and in combination. The dependent claims when analyzed individually and in combination, are also held be patent ineligible under 35 U.S.C. 101. For claims 2, 9, and 16, the recited limitations of these claims merely further narrow the abstract idea discussed above. These claims further added, “…querying…one or more additional systems of the server system for account data from the minimum set of account data; determining that the minimum set of account data is obtained from the one or more additional systems; and generating… a second message indicating that the set of account data determined for each of the one or more processing services is satisfied.” The limitations of these claims fail to integrate the abstract idea into a practical application because these claims do not introduce additional elements other than the generic components discussed above. These dependent claims, therefore, also amounts to merely using a computer, in its ordinary capacity, as a tool to perform the abstract idea. Finally, the additional recited limitations of these dependent claims fail to establish that the claims provide an inventive concept because claims that merely use a computer, in its ordinary capacity, as a tool to perform the abstract idea cannot provide an inventive concept. For claims 3, 10, and 17, the recited limitations of these claims merely further narrow the abstract idea discussed above. These claims further added, “…determining…a change in an activated processing service, the change requiring additional account data; and transmitting…a third message to the user system requesting the additional account data.” The limitations of these claims fail to integrate the abstract idea into a practical application because these claims do not introduce additional elements other than the generic components discussed above. These dependent claims, therefore, also amounts to merely using a computer, in its ordinary capacity, as a tool to perform the abstract idea. Finally, the additional recited limitations of these dependent claims fail to establish that the claims provide an inventive concept because claims that merely use a computer, in its ordinary capacity, as a tool to perform the abstract idea cannot provide an inventive concept. For claims 4, 11, and 18, the recited limitations of these claims merely further narrow the abstract idea discussed above. These claims further added, “…wherein the change requiring additional account data comprises a change in a requirement specified using a programming object that is associated with the activated processing service and comprises specified account data that is required by the activated processing service.” The limitations of these claims fail to integrate the abstract idea into a practical application because these claims do not introduce additional elements other than the generic components discussed above. These dependent claims, therefore, also amounts to merely using a computer, in its ordinary capacity, as a tool to perform the abstract idea. Finally, the additional recited limitations of these dependent claims fail to establish that the claims provide an inventive concept because claims that merely use a computer, in its ordinary capacity, as a tool to perform the abstract idea cannot provide an inventive concept. For claims 5, 12, and 19, the recited limitations of these claims merely further narrow the abstract idea discussed above. These claims further added, “…in response to activating the one or more processing services for the account of the user by a processing logic of the server system, transmitting by the API endpoint of the server system over the network, a notification message to the user system indicating the activation of the one or more processing services.” The limitations of these claims fail to integrate the abstract idea into a practical application because these claims do not introduce additional elements other than the generic components discussed above. These dependent claims, therefore, also amounts to merely using a computer, in its ordinary capacity, as a tool to perform the abstract idea. Finally, the additional recited limitations of these dependent claims fail to establish that the claims provide an inventive concept because claims that merely use a computer, in its ordinary capacity, as a tool to perform the abstract idea cannot provide an inventive concept. For claims 6, 13, and 20, the recited limitations of these claims merely further narrow the abstract idea discussed above. These claims further added, “…wherein each processing service is associated with one or more operations that the server system will perform on behalf of the user having the account.” The limitations of these claims fail to integrate the abstract idea into a practical application because these claims do not introduce additional elements other than the generic components discussed above. These dependent claims, therefore, also amounts to merely using a computer, in its ordinary capacity, as a tool to perform the abstract idea. Finally, the additional recited limitations of these dependent claims fail to establish that the claims provide an inventive concept because claims that merely use a computer, in its ordinary capacity, as a tool to perform the abstract idea cannot provide an inventive concept. For claims 7 and 14, the recited limitations of these claims merely further narrow the abstract idea discussed above. These claims further added, “…wherein, performing the one or more operations on behalf of the user comprises checking, by the server system, an activation status of the processing service that is associated with the one or more operations.” The limitations of these claims fail to integrate the abstract idea into a practical application because these claims do not introduce additional elements other than the generic components discussed above. These dependent claims, therefore, also amounts to merely using a computer, in its ordinary capacity, as a tool to perform the abstract idea. Finally, the additional recited limitations of these dependent claims fail to establish that the claims provide an inventive concept because claims that merely use a computer, in its ordinary capacity, as a tool to perform the abstract idea cannot provide an inventive concept. Conclusion Any inquiry concerning this communication or earlier communications from the examiner should be directed to EDWARD CHANG whose telephone number is (571)270-3092. The examiner can normally be reached M - F, 9-5. 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, Matthew Gart can be reached on 571-272-3955. 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. /EDWARD CHANG/Primary Examiner, Art Unit 3696 05/01/2026
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Prosecution Timeline

Nov 12, 2024
Application Filed
May 06, 2026
Non-Final Rejection mailed — §101 (current)

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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
63%
Grant Probability
96%
With Interview (+32.8%)
3y 4m (~1y 9m remaining)
Median Time to Grant
Low
PTA Risk
Based on 538 resolved cases by this examiner. Grant probability derived from career allowance rate.

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