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 .
This is the Non-Final Office Action in response to the Application No. 18/950,408 filed on November 18, 2024, title: “Automated Transfer Of Enriched Transaction Account Data To A Submitted Record Of Charge”.
Status of the Claims
Claims 1-20 are pending in this application and have been examined.
Priority
This Application is a CON of US Application No. 18/187,289 filed on 03/21/2023 (Patented No. 12,182,784) which is a CON of US Application No. 16/732,860 filed on 01/02/2020 (Patented No. 11,631,069) which is a CON of US Application No. 14/621,152 filed on 02/12/2015 (Patented No. 10,535,050). For the purpose of examination, the 02/12/2015 is considered to be the effective filing date.
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).
A timely filed terminal disclaimer in compliance with 37 CFR 1.321(c) or 1.321(d) may be used to overcome an actual or provisional rejection based on nonstatutory double patenting provided the reference application or patent either is shown to be commonly owned with the examined application, or claims an invention made as a result of activities undertaken within the scope of a joint research agreement. See MPEP § 717.02 for applications subject to examination under the first inventor to file provisions of the AIA as explained in MPEP § 2159. See MPEP § 2146 et seq. for applications not subject to examination under the first inventor to file provisions of the AIA . A terminal disclaimer must be signed in compliance with 37 CFR 1.321(b).
The filing of a terminal disclaimer by itself is not a complete reply to a nonstatutory double patenting (NSDP) rejection. A complete reply requires that the terminal disclaimer be accompanied by a reply requesting reconsideration of the prior Office action. Even where the NSDP rejection is provisional the reply must be complete. See MPEP § 804, subsection I.B.1. For a reply to a non-final Office action, see 37 CFR 1.111(a). For a reply to final Office action, see 37 CFR 1.113(c). A request for reconsideration while not provided for in 37 CFR 1.113(c) may be filed after final for consideration. See MPEP §§ 706.07(e) and 714.13.
The USPTO Internet website contains terminal disclaimer forms which may be used. Please visit www.uspto.gov/patent/patents-forms. The actual filing date of the application in which the form is filed determines what form (e.g., PTO/SB/25, PTO/SB/26, PTO/AIA /25, or PTO/AIA /26) should be used. A web-based eTerminal Disclaimer may be filled out completely online using web-screens. An eTerminal Disclaimer that meets all requirements is auto-processed and approved immediately upon submission. For more information about eTerminal Disclaimers, refer to www.uspto.gov/patents/apply/applying-online/eterminal-disclaimer.
Claims 1-20 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-17 of US Patent No. 12,182,784 and claims 1-20 of U.S. Patent No. 10,535,050. Although the claims at issue are not identical, they are not patentably distinct from each other because the examined claims are broader than the reference claims in the patents and anticipated by the reference claims. The examined claims recite substantially the same limitations as the reference claims in the patents with minor variations that would have been obvious to one of ordinary skill in the art. The application and the patents are directed to the same invention of automated transfer of enriched transaction account data to a submitted record of charge. The application and the patents have the same inventors and are commonly owned. Therefore, this rejection is deemed necessary.
Patent No. 18/950,408
Patent No. 12,182,784
Claim 1, A method, comprising:
Claim 1, A method, comprising:
accessing, by a client device, a list of pending charges from a remote computing device, wherein the list of pending charges includes a pending charge of a transaction before the transaction is listed on a record of posted charges, and wherein the list of pending charges is associated with and corresponds to a transaction account of a user;
displaying, by a client device, a list of pending charges via a display of the client device;
displaying the list of pending charges via a display of the client device of the user;
based on an authorization of a transaction, uploading enriched data associated with a pending charge to a remote computing device, wherein the uploading occurs before the transaction is listed on a record of posted charges, and wherein the enriched data is stored in an authorization data enrichment storage database of the remote computing device;
based on an authorization of the transaction, uploading enriched data associated with the pending charge by the user via a user interface of the client device to the remote computing device, wherein the uploading occurs before the transaction is listed on the record of posted charges, and wherein the enriched data is stored in an authorization data enrichment storage database of the remote computing device;
responsive to the enriched data being moved from the authorization data enrichment storage database to a posted charge data enrichment database, linking the enriched data stored in the posted charge data enrichment database to corresponding posted transactions; and
viewing by the client device at least one of the enriched data stored in the authorization data enrichment storage database or the enriched data stored in a posted charge data enrichment database of the remote computing device, wherein the enriched data stored in the posted charge data enrichment database is linked to corresponding posted transactions in response to the enriched data being moved from the authorization data enrichment storage database to the posted charge data enrichment database; and
receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data.
receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data.
Patent No. 18/950,408
Patent No. 10,535,050
Claim 1, A method, comprising:
Claim 1, A method, comprising:
authorizing, by a computer-based system, a transaction between a merchant and a transaction account holder;
displaying, by a client device, a list of pending charges via a display of the client device;
transmitting, by the computer-based system, a notification to at least one of the merchant or the transaction account holder that the transaction has been initiated and a pending charge has been created;
based on an authorization of a transaction, uploading enriched data associated with a pending charge to a remote computing device, wherein the uploading occurs before the transaction is listed on a record of posted charges, and wherein the enriched data is stored in an authorization data enrichment storage database of the remote computing device;
receiving, by the computer-based system, a link to enrichment data from at least one of the merchant or the transaction account holder to be associated with the pending charge;
responsive to the enriched data being moved from the authorization data enrichment storage database to a posted charge data enrichment database, linking the enriched data stored in the posted charge data enrichment database to corresponding posted transactions; and
providing, by the computer-based system, access to the enrichment data via the link to the enrichment data,
receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data.
wherein the link to the enrichment data includes functionality for downloading at least one of documents, reminder needs, warranties, itineraries, reminders, deadlines or product manuals;
associating, by the computer-based system, the link to the enrichment data with the pending charge; and
storing, by the computer-based system, the link to the enrichment data in an enrichment data database.
Claims 1-20 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-20 of US Patent No. 11,631,069 in view of Application No. 2014/0108210 to Chelst et al.
Here claim 1 of the Application has a narrow scope than the claims of the Patents because the Application specifically says “receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data.”. The patent discloses all the limitations except the “receiving” feature. However, Chelst teaches the “receiving” feature (Chelst, para. 91-97; Figures 8-9). Therefore, claim 1 of the application is rejected on the ground of nonstatutory double patenting as being unpatentable over claim 1 of the patent in view of Chelst reference. Claim 8 of the application recites a system and claim 15 of the application recites computer program with the comparable elements and limitations. Hence, these claims also are rejected under the same rationale provided in claim 1.
Dependent claims 2-7, 9-14, and 16-20 of the Application are also rejected as being unpatentable over the dependent claims of the patent. Although the claims at issue are not identical, they are not patentably distinct from each other because the claims of the application recite substantially the same limitations as the claims of the patent with minor variations that would have been obvious to one of ordinary skills in the art. The application and patent are directed to the same invention of automated transfer of enriched transaction account data to a submitted record of charge. Also, the application and the patent have the same inventors and are commonly owned. Therefore, this rejection is deemed necessary.
Patent No. 18/950,408
Patent No. 11,631,069
Claim 1, A method, comprising:
Claim 1, A method, comprising:
receiving, from a computing device and by a client device, a notification of an authorized charge for a transaction, the authorized charge representing a charge prior to accessing a record of submitted charges from a merchant;
accessing, by the client device, a list of authorized charges from the computing device, the list of authorized charges including the authorized charge for the transaction;
displaying, by a client device, a list of pending charges via a display of the client device;
rendering, by the client device on a display, a user interface to display the list of authorized charges and obtain a selection of enriched data associated with the transaction;
obtaining, by the client device, the selection of the enriched data associated with the transaction;
based on an authorization of a transaction, uploading enriched data associated with a pending charge to a remote computing device, wherein the uploading occurs before the transaction is listed on a record of posted charges, and wherein the enriched data is stored in an authorization data enrichment storage database of the remote computing device;
uploading, to the computing device by the client device, the enriched data to be associated with the authorized charge for the transaction; and
responsive to the enriched data being moved from the authorization data enrichment storage database to a posted charge data enrichment database, linking the enriched data stored in the posted charge data enrichment database to corresponding posted transactions; and
rendering, by the client device, the user interface to display the enriched data in association with the transaction as a posted charge, the posted charge representing the authorized charge being converted to the posted charge based at least in part on the merchant posting the authorized charge to the computing device of a transaction account provider.
receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data.
see Chelst, para. 91-97 and Figures 8-9.
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 an abstract idea without significantly more.
Step 1:
Under the 2019 Revised PEG, Step 1 analysis, the claims are reviewed to determine whether they fall within the four statutory categories of patentable subject matter (i.e., process, machine, manufacture, or combination of matter).
Claims 1-7 recite a method for automated transfer of enriched transaction account data to a submitted record of charge (as indicated by the title of the Application). Claims 8-14 recite a system and claims 15-20 recite a computer program with comparable elements and limitations for implementing the method. Therefore, the claims recite a process, machine, and manufacture which fall within the four statutory categories of invention (Step 1-Yes, the claims are statutory).
Step 2A Prong 1:
Under the 2019 Revised PEG, Step 2A, Prong 1, the claims are reviewed to determine whether they recite a judicial exception by identifying if the claim limitations fall in one of the enumerated abstract idea groupings (i.e., organizing human activity, mathematical concepts, and mental processes) that amount to a judicial exception to patentability.
Claim 1, A method, comprising:
displaying, by a client device, a list of pending charges via a display of the client device;
based on an authorization of a transaction, uploading enriched data associated with a pending charge to a remote computing device, wherein the uploading occurs before the transaction is listed on a record of posted charges, and wherein the enriched data is stored in an authorization data enrichment storage database of the remote computing device;
responsive to the enriched data being moved from the authorization data enrichment storage database to a posted charge data enrichment database, linking the enriched data stored in the posted charge data enrichment database to corresponding posted transactions; and
receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data.
The above limitations, as drafted, is a process that, under its broadest reasonable interpretation, covers a method of organizing human activity but for the recitation of generic computer components (e.g., a system comprising a client device, a remote computing device, a memory with machine-readable instructions, and a display). More specifically, the claim recites fundamental economic principles or practices and/or commercial or legal interactions including the steps that allow transaction account holders to be able to attach additional data to a transaction in concert with the transaction being initiated and prior to the merchant posting the transaction (see abstract).
The claim recite a method of automated transfer of enriched transaction account data to a submitted record of charge by: displaying by a client device that includes a list of pending charges, uploading the enriched data associated with a pending charge to a remote computing device before the transaction is listed on a record of posted charges, linking the enriched data to correspond the posted transactions, and receiving one of a reminder, an expense report, or account management information from the remote computing device. The claim recites the concepts correspond mitigating risk before authorizing a transaction, which is fundamental economic practice (i.e., hedging, insurance, mitigating risk) and commercial interaction (i.e., agreements in the form of contracts; legal obligations; advertising, marketing or sales activities or behaviors; business relations). This falls within a method of organizing human activity and is abstract idea in nature. See MPEP 2106.04(a)(2)III.C.2.
If a claim limitation, under its broadest reasonable interpretation, covers performance of a fundamental economic practice and/or commercial interaction, then it falls within the “Certain Methods of Organizing Human Activity” grouping of abstract ideas. Accordingly, the claim recites an abstract idea.
Claim 8 recites a system and claim 15 recites a non-transitory computer-readable storage medium with the comparable elements and limitations as discussed in claim 1. Therefore, these claims also recite an abstract idea (Step 2A, Prong 1-Yes, the claims recite an abstract idea).
Step 2A, Prong 2:
Under the 2019 Revised PEG, Step 2A, Prong 2, the claims are reviewed to determine whether the judicial exception (i.e., abstract idea) is integrated into a practical application. In order to make this determination, the additional element(s), or combination of elements, are analyzed to determine if the claim as a whole integrates the recited judicial exception into a practical application of that exception. A claim that integrates a judicial exception into a practical application will apply, rely on, or use the judicial exception in a manner that imposes a meaningful limit on the judicial exception, such that the claim is more than a drafting effort designed to monopolize the judicial exception.
The claims include the additional elements, such as a system comprising a client device, a remote computing device with an authorization data enrichment storage database, a display, and a non-transitory computer-readable medium with machine-readable instructions to perform the displaying, uploading, linking, and receiving steps. The recited additional computer elements in all steps are recited at a high level of generality and are merely invoked as tools to perform the generic functions. The limitations are done by the generically recited computer system (see Publication No. 2025/0078054, paragraphs 40, 44-47, 50-53, 56-58, 62-65 and 67-68). The limitations are merely instructions to implement the abstract idea on a computer and require no than a generic computer to perform the generic computer functions including the steps of accessing, displaying, receiving, and uploading. Each claim limitation of the claims have been considered individually and in combination as ordered has been considered. No non-generic or non-conventional arrangement is found.
The judicial exception is not integrated into a practical application. In particular, the claim recites the additional elements of a computer and a database. The computer is recited at a high-level of generality (i.e., as a generic processor performing generic computer functions of receiving/transmitting communications, processing information, querying the database) such that it amounts to no more than mere instructions to apply the exception using a generic computer component. 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. The claims are directed to an abstract idea (Step 2A, Prong 2-No, the claims do not integrate the abstract idea into a practical application).
Step 2B:
Under the 2019 Revised PEG, Step 2A, Prong 2, the claims are reviewed to determine whether the claims provide an inventive concept (i.e., whether the claim(s) include additional elements, or combinations of elements, that are sufficient to amount to significantly more than the judicial exception (i.e., abstract idea)).
The claims do not include additional elements, considered both individually and as an ordered combination, 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 element of using a computer to perform the displaying, uploading, linking, and receiving functions as claimed amounts to no more than mere instructions to apply the exception using a generic computer component. Mere instructions to apply an exception using a generic computer component cannot provide an inventive concept. Therefore, the claims are not patent eligible.
Dependent claims 2-7, 9-14, and 16-20 depend on claims 1, 8, and 15, and therefore include all the limitations of claims 1, 8, and 15. Therefore, the dependent claims also recite the same abstract idea of automated transfer of enriched transaction account data to a submitted record of charge as discussed in the independent claims.
Claims 2, 9, and 16 recite the additional elements “wherein the enriched data comprises at least one of text, an image, a file, an expense tag, a document, or a note.” The limitations are additional detailed information about the enriched data and amount – the claims individually or in combination with others do not integrate the abstract idea into a practical application or provide an inventive concept to the abstract idea. The claims are not patent eligible.
Claims 3, 10, and 17 recite the additional elements “accessing, by the client device, the list of pending charges from the remote computing device, wherein the list of pending charges includes the pending charge of the transaction before the transaction is listed on the record of posted charges, and wherein the list of pending charges is associated with and corresponds to a transaction account of a user.” The limitations are accessing the list of pending charges from the remote computing device – the claims individually or in combination with others do not integrate the abstract idea into a practical application or provide an inventive concept to the abstract idea. The claims are not patent eligible.
Claims 4, 11, and 18 recite the additional elements “wherein the enriched data is attached to a posted charge for the transaction after the enriched data is uploaded.” The limitations are the enriched data is attached to posted charge – the claims individually or in combination with others do not integrate the abstract idea into a practical application or provide an inventive concept to the abstract idea. The claims are not patent eligible.
Claims 5, 12, and 19 recite the additional elements “comprising: sending, by the client device a dispute notification for a send pending charge associated with a second transaction to the remote computing device.” The limitations are sending a dispute notification for a send pending charge associated with a second transaction – the claims individually or in combination with others do not integrate the abstract idea into a practical application or provide an inventive concept to the abstract idea. The claims are not patent eligible.
Claims 6, 13, and 20 recite the additional elements “wherein the pending charge comprises: an authorization code for transferring the enriched data from the pending charge to a posted charge of the transaction.” The limitations are the additional detailed information for the pending charge – the claims individually or in combination with others do not integrate the abstract idea into a practical application or provide an inventive concept to the abstract idea. The claims are not patent eligible.
Claims 7 and 14 recite the additional elements “comprising: receiving, by the client device, a notification of the pending charge in response to an authorization of the transaction.” The limitations are receiving a notification of the pending charge in response to an authorization – the claims individually or in combination with others do not integrate the abstract idea into a practical application or provide an inventive concept to the abstract idea. The claims are not patent eligible.
The claims do not include additional elements, considered both individually and as an ordered combination, 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 element of using a computer to perform the accessing, displaying, receiving, and uploading functions as claimed amounts to no more than mere instructions to apply the exception using a generic computer component. Mere instructions to apply an exception using a generic computer component cannot provide an inventive concept. Therefore, the dependent claims also are not patent eligible.
The focus of the claims is on using a computing device and a client device to automatically transfer of enriched transaction account data to a submitted record of charge. The claims are not directed to a new computing server, network, or system memory, nor do they provide a method for processing data that improves existing technical processes. The focus of the claims is not on improving computer-related technology, but on an independent abstract idea that uses computers as tools. The claims do not add a specific limitation or combination of limitations that are not well-understood, routine, conventional activity in the field. Accordingly, when viewed as a whole, the claims do no more than generally linking the use of the judicial exception to a particular technological environment or field of use. No inventive concept is found in the claims. Therefore, the claims do not add significantly more (i.e., an inventive step) to the abstract idea (Step 2B-No, the claims are not significantly more than the abstract idea).
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.
The factual inquiries for establishing a background for determining obviousness under 35 U.S.C. 103 are summarized as follows:
Determining the scope and contents of the prior art.
Ascertaining the differences between the prior art and the claims at issue.
Resolving the level of ordinary skill in the pertinent art.
Considering objective evidence present in the application indicating obviousness or nonobviousness.
Claims 1-20 are rejected under 35 U.S.C. 103 as being unpatentable over Chelst (US Pub. No. 2014/0108210) (hereinafter “Chelst”) in view of Moulton (US Pub. No. 2006/0169767) (hereinafter “Moulton”) and further in view of Chisholm (US Pub. No. 2012/0130897) (hereinafter “Chisholm”).
As per Claim 1, Chelst teaches a method, comprising:
Chelst in view of Moulton teaches the following limitations:
displaying, by a client device, a list of pending charges via a display of the client device (see Chelst, para. 70 “receiving an image of the receipt”, 71-73; Figure 4/element 402. See Moulton, para. 48 “posted charges and pending charges”);
Chelst in view of Moulton and Chisholm teaches the following limitations:
based on an authorization of a transaction, uploading enriched data associated with a pending charge to a remote computing device (see Chisholm, Abstract “a method for enriching the data associated with financial transaction card transactions”), wherein the uploading occurs before the transaction is listed on a record of posted charges, and wherein the enriched data is stored in an authorization data enrichment storage database of the remote computing device (see Chelst, para. 70-73; Figure 4. See Moulton, para. 48 “posted charges and pending charges”; Figure 1);
Chelst in view of Moulton teaches the following limitations:
responsive to the enriched data being moved from the authorization data enrichment storage database to a posted charge data enrichment database, linking the enriched data stored in the posted charge data enrichment database to corresponding posted transactions (see Chelst, para. 70-73; Figure 4. See Moulton, para. 48 “posted charges and pending charges”; Figure 1); and
receiving by the client device at least one of a reminder, an expense report, or account management information from the remote computing device, wherein the at least one of the reminder, the expense report, or the account management information is generated by the remote computing device using the enriched data (see Chelst, para. 91-97; Figures 8-9. See Moulton, para. 48 “posted charges and pending charges”; Figure 1).
Chelst discloses every limitation except the limitation “enriched data”. However, Chisholm teaches such limitation (see abstract). Chelst in view of Chisholm does not disclose the limitation “pending charges and posted charges”. However, Moulton teaches such limitation (see para. 48). It would have been obvious to one of ordinary skill in the art at the time of the invention was filed to incorporate the features, as taught by Chisholm and Moulton, in the method of Chelst in order to facilitate a better way for expense management. Since Chelst, Chisholm, and Moulton are all directed to transaction management, one of ordinary skill in the art would have been motivated to combine the prior arts to achieve the claimed invention and that there would have been a reasonable expectation of success.
As per Claim 2, Chelst further teaches wherein the enriched data comprises at least one of: text, an image, a file, an expense tag, a document, or a note (see Chelst, para. 70-73; Figure 4/elements 402-404).
As per Claim 3, Chelst in view of Moulton further teaches comprising: accessing, by the client device, the list of pending charges from the remote computing device, wherein the list of pending charges includes the pending charge of the transaction before the transaction is listed on the record of posted charges, and wherein the list of pending charges is associated with and corresponds to a transaction account of a user (see Chelst, para. 70 “receiving an image of the receipt”, 71-73; Figure 4/element 402. see Moulton, para. 48 “posted charges and pending charges”).
It would have been obvious to one of ordinary skill in the art at the time of the invention was filed to incorporate the features, as taught by Moulton, in the method of Chelst in order to facilitate a better way for expense management (see Chelst, para. 8).
As per Claim 4, Chelst in view of Moulton further teaches wherein the enriched data is attached to a posted charge for the transaction after the enriched data is uploaded (see Chelst, para. 70-73; Figure 4. see Chisholm, Abstract “a method for enriching the data associated with financial transaction card transactions”. see Moulton, para. 48 “posted charges and pending charges”; Figure 1).
It would have been obvious to one of ordinary skill in the art at the time of the invention was filed to incorporate the features, as taught by Moulton, in the method of Chelst in order to facilitate a better way for expense management (see Chelst, para. 8).
As per Claim 5, Chelst further teaches comprising: sending, by the client device a dispute notification for a send pending charge associated with a second transaction to the remote computing device (see Chelst, para. 75).
As per Claim 6, Moulton further teaches wherein the pending charge comprises: an authorization code for transferring the enriched data from the pending charge to a posted charge of the transaction (see Moulton, para. 87 “The POS terminal sends an authorization request to the database to obtain authorization for the transaction. The database communicates the authorization request to the financial institution associated with the account designated by the user. The financial institution authorizes the transaction and sends an authorization code indicating that the transaction is authorized to the database. The database sends the authorization code to the POS terminal.”; Figure 5).
It would have been obvious to person of ordinary skill in the art at the time of the invention was filed to combine the teachings of Chelst and Moulton with the motivation of providing the authorization code for transferring the enriched data from the pending charge to a posted charge of the transaction in order to achieve the claimed invention (see Chelst, para. 8).
As per Claim 7, Moulton further teaches comprising: receiving, by the client device, a notification of the pending charge in response to the authorization of the transaction (see Moulton, para. 87 “The POS terminal sends an authorization request to the database to obtain authorization for the transaction. The database communicates the authorization request to the financial institution associated with the account designated by the user. The financial institution authorizes the transaction and sends an authorization code indicating that the transaction is authorized to the database. The database sends the authorization code to the POS terminal.”; Figure 5).
It would have been obvious to person of ordinary skill in the art at the time of the invention was filed to combine the teachings of Chelst and Moulton with the motivation of providing the notification feature for the pending charge in response to the authorization of the transaction in order to achieve the claimed invention (see Chelst, para. 8).
As per Claim 8, this claim written in system form corresponds to claim 1 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 1.
As per Claim 9, this claim written in system form corresponds to claim 2 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 2.
As per Claim 10, this claim written in system form corresponds to claim 3 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 3.
As per Claim 11, this claim written in system form corresponds to claim 4 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 4.
As per Claim 12, this claim written in system form corresponds to claim 5 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 5.
As per Claim 13, this claim written in system form corresponds to claim 6 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 6.
As per Claim 14, this claim written in system form corresponds to claim 7 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 7.
As per Claim 15, this claim written in computer program form corresponds to claim 1 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 1.
As per Claim 16, this claim written in computer program form corresponds to claim 2 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 2.
As per Claim 17, this claim written in computer program form corresponds to claim 3 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 3.
As per Claim 18, this claim written in computer program form corresponds to claim 4 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 4.
As per Claim 19, this claim written in computer program form corresponds to claim 5 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 5.
As per Claim 20, this claim written in computer program form corresponds to claim 6 and has the same elements and limitations. Hence, it is rejected under the rationale provided in claim 6.
Conclusion
Claims 1-20 are rejected.
Any inquiry concerning this communication or earlier communications from the examiner should be directed to HAI TRAN whose telephone number is (571)272-7364. The examiner can normally be reached Monday-Friday, 9-5.
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HAI TRAN
Primary Examiner
Art Unit 3695
/HAI TRAN/Primary Examiner, Art Unit 3695