Prosecution Insights
Last updated: October 21, 2026
Application No. 19/018,798

AI-DRIVEN INTEGRATION PLATFORM AND USER-ADAPTIVE INTERFACE FOR BUSINESS RELATIONSHIP ORCHESTRATION

Final Rejection §103§112
Filed
Jan 13, 2025
Priority
Jul 20, 2022 — provisional 63/390,748 +2 more
Examiner
CHIANG, JASON
Art Unit
2431
Tech Center
2400 — Computer Networks
Assignee
Citizens Financial Group Inc.
OA Round
2 (Final)
83%
Grant Probability
Favorable
3-4
OA Rounds
9m
Est. Remaining
99%
With Interview

Examiner Intelligence

Grants 83% — above average
83%
Career Allowance Rate
466 granted / 560 resolved
+25.2% vs TC avg
Strong +28% interview lift
Without
With
+28.4%
Interview Lift
resolved cases with interview
Typical timeline
2y 6m
Avg Prosecution
14 currently pending
Career history
579
Total Applications
across all art units

Statute-Specific Performance

§101
10.5%
-29.5% vs TC avg
§103
60.5%
+20.5% vs TC avg
§102
10.0%
-30.0% vs TC avg
§112
7.2%
-32.8% vs TC avg
Black line = Tech Center average estimate • Based on career data from 560 resolved cases

Office Action

§103 §112
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 This action is in response to the Amendment filed on 08/04/2026. Claims 1-18 are under examination. Claim Rejections - 35 USC § 112 The following is a quotation of the first paragraph of 35 U.S.C. 112(a): (a) IN GENERAL.—The specification shall contain a written description of the invention, and of the manner and process of making and using it, in such full, clear, concise, and exact terms as to enable any person skilled in the art to which it pertains, or with which it is most nearly connected, to make and use the same, and shall set forth the best mode contemplated by the inventor or joint inventor of carrying out the invention. The following is a quotation of the first paragraph of pre-AIA 35 U.S.C. 112: The specification shall contain a written description of the invention, and of the manner and process of making and using it, in such full, clear, concise, and exact terms as to enable any person skilled in the art to which it pertains, or with which it is most nearly connected, to make and use the same, and shall set forth the best mode contemplated by the inventor of carrying out his invention. Claims 1-18 are rejected under 35 U.S.C. 112(a) or 35 U.S.C. 112 (pre-AIA ), first paragraph, as failing to comply with the written description requirement. The claim(s) contains subject matter which was not described in the specification in such a way as to reasonably convey to one skilled in the relevant art that the inventor or a joint inventor, or for applications subject to pre-AIA 35 U.S.C. 112, the inventor(s), at the time the application was filed, had possession of the claimed invention. Independent claim 1 has been amended to recite “automatically generate a suggestion, a response, or information based on the analysis and without receiving any input directed to the AI-driven chatbot”. However, the specification fails to disclose the AI-driven chatbot automatically generate a suggestion without receiving any input directed to the AI-driven chatbot. As matter of fact, the specification explicitly disclose the AI-driven chatbot generate suggestion based on input directed to the AI-driven chatbot (see par. 0101, “ The advanced chat-bot resource 309 comprises an automated, AI/ML rules engine (e.g., hosted by the integration platform) configured to provide users with unlimited access (e.g., 24 hours per day/7 days per week) to a conversational message-based dialogue that processes user input (e.g., in the form of a question or request) and quickly responds with a resolution (e.g., an answer, a suggested course of action, route user to other system function(s), provide/display selectable features such as links, icons, and the like, etc.). Unlike conventional chat-bots, this resource provides users with personalized information and customized suggestions designed to interpret the way individual users query its search function, and learn from those experiences. To do this, the AI/ML rules engine may be configured to capture and model user-specific and aggregated interaction and profile data to generate advanced analytics for each particular user, which in turn may be used to generate user-specific responses and suggestions. This includes, for example, capturing and modeling (current and/or historic) user-specific queries and user-specific reactions and sentiments towards returned responses to identify user-specific tendencies that inform how user-specific queries should be interpreted. User sentiments may be defined by the extent to which the user utilizes, accepts and/or rejects the returned responses. As the user-specific reactions/sentiments evolve, so too may the rules for interpreting the user-specific queries. Thus, different users submitting a same inquiry may receive completely different responses”). Claims 1-18 are rejected under 35 U.S.C. 112(a) or 35 U.S.C. 112 (pre-AIA ), first paragraph, as failing to comply with the enablement requirement. The claim(s) contains subject matter which was not described in the specification in such a way as to enable one skilled in the art to which it pertains, or with which it is most nearly connected, to make and/or use the invention. Claim 1 has been amended to recite “automatically generate a suggestion, a response, or information based on the analysis and without receiving any input directed to the AI-driven chatbot”. The claim limitation indicates the AI-driven chatbot monitor and analyze conversations, generate the suggestion based on the analysis. Therefore, the AI-driven chatbot generates the suggestion based on the analysis as input directed to the AI-driven chatbot. However, the amended claim limitation indicates the AI-driven chatbot generates the suggestion without receiving any input directed to the AI-driven chatbot. The following is a quotation of 35 U.S.C. 112(b): (b) CONCLUSION.—The specification shall conclude with one or more claims particularly pointing out and distinctly claiming the subject matter which the inventor or a joint inventor regards as the invention. The following is a quotation of 35 U.S.C. 112 (pre-AIA ), second paragraph: The specification shall conclude with one or more claims particularly pointing out and distinctly claiming the subject matter which the applicant regards as his invention. Claims 4-5 are rejected under 35 U.S.C. 112(b) or 35 U.S.C. 112 (pre-AIA ), second paragraph, as being indefinite for failing to particularly point out and distinctly claim the subject matter which the inventor or a joint inventor (or for applications subject to pre-AIA 35 U.S.C. 112, the applicant), regards as the invention. A broad range or limitation together with a narrow range or limitation that falls within the broad range or limitation (in the same claim) may be considered indefinite if the resulting claim does not clearly set forth the metes and bounds of the patent protection desired. See MPEP § 2173.05(c). In the present instance, claim 4 recites the broad recitation the AI-driven chatbot is further configured to provide personalized responses to user inquiries based on the user's profile data and on user- specific interaction data, and the claim depends on claim 1 and also recites the AI-driven chatbot generate a suggestion without receiving any input directed to the AI-driven chatbot which is the narrower statement of the range/limitation. claim 5 recites the broad recitation the AI-driven chatbot is further configured to provide next best advice based on the user's profile data and on the user-specific interaction data, and the claim also recites the AI-driven chatbot generate a suggestion without receiving any input directed to the AI-driven chatbot which is the narrower statement of the range/limitation. The claim(s) are considered indefinite because there is a question or doubt as to whether the feature introduced by such narrower language is (a) merely exemplary of the remainder of the claim, and therefore not required, or (b) a required feature of the claims. Response to Arguments Applicant’s arguments, filed on 08/04/2026, with respect to rejection under 35 USC § 103 for claims 1-18 have been fully considered but they are not persuasive. The arguments are directed toward the newly amended claim limitations, as mentioned above the newly amended claim limitation raises 112 issues. Conclusion The prior art made of record and not relied upon is considered pertinent to Applicant’s disclosure: US 20220020085 A1 SYSTEM AND METHOD FOR PROVIDING AUTOMATED PREDICTIVE INFORMATION ON A USER INTERFACE US 20220413814 A1 SYSTEMS AND METHODS FOR FACILITATING GENERATION AND DEPLOYMENT OF MACHINE LEARNING SOFTWARE APPLICATIONS US 20220308895 A1 AUTOMATED GENERATION OF EARLY WARNING PREDICTIVE INSIGHTS ABOUT USERS US 20210303317 A1 COGNITIVE AUTOMATION PLATFORM FOR CUSTOMIZED INTERFACE GENERATION US 20210271530 A1 ADAPTABLE PAGES, WIDGETS AND FEATURES BASED ON REAL TIME APPLICATION PERFORMANCE US 20200042920 A1 APPARATUS AND METHOD FOR RESOURCE ALLOCATION PREDICTION AND MODELING, AND RESOURCE ACQUISITION OFFER GENERATION, ADJUSTMENT AND APPROVAL US 10346900 B1 System For Determining Content For Advance Rendering US 20190114151 A1 Application Digital Content Control Using An Embedded Machine Learning Module US 20230099627 A1 MACHINE LEARNING MODEL FOR PREDICTING AN ACTION THIS ACTION IS MADE FINAL. Applicant is reminded of the extension of time policy as set forth in 37 CFR 1.136(a). A shortened statutory period for reply to this final action is set to expire THREE MONTHS from the mailing date of this action. In the event a first reply is filed within TWO MONTHS of the mailing date of this final action and the advisory action is not mailed until after the end of the THREE-MONTH shortened statutory period, then the shortened statutory period will expire on the date the advisory action is mailed, and any extension fee pursuant to 37 CFR 1.136(a) will be calculated from the mailing date of the advisory action. In no event, however, will the statutory period for reply expire later than SIX MONTHS from the mailing date of this final action. Any inquiry concerning this communication or earlier communications from the examiner should be directed to JASON CHIANG whose telephone number is (571)270-3393. The examiner can normally be reached on 9 AM to 6 PM. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Lynn Feild can be reached on (571) 272-2092. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. Information regarding the status of an application may be obtained from the Patent Application Information Retrieval (PAIR) system. Status information for published applications may be obtained from either Private PAIR or Public PAIR. Status information for unpublished applications is available through Private PAIR only. For more information about the PAIR system, see http://pair-direct.uspto.gov. Should you have questions on access to the Private PAIR system, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative or access to the automated information system, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000. /JASON CHIANG/Primary Examiner, Art Unit 2431
Read full office action

Prosecution Timeline

Jan 13, 2025
Application Filed
May 05, 2026
Non-Final Rejection mailed — §103, §112
Aug 04, 2026
Response Filed
Oct 02, 2026
Examiner Interview (Telephonic)
Oct 14, 2026
Final Rejection mailed — §103, §112 (current)

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
83%
Grant Probability
99%
With Interview (+28.4%)
2y 6m (~9m remaining)
Median Time to Grant
Moderate
PTA Risk
Based on 560 resolved cases by this examiner. Grant probability derived from career allowance rate.

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