Prosecution Insights
Last updated: August 15, 2026
Application No. 19/026,865

SYSTEM AND METHOD FOR INTEGRATING DATA FROM A REMOTE SERVER WITH A CLIENT APPLICATION

Final Rejection §DP
Filed
Jan 17, 2025
Priority
Oct 19, 2015 — provisional 62/243,316 +4 more
Examiner
KANERVO, VIRPI H
Art Unit
3691
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Synchrony Bank
OA Round
2 (Final)
47%
Grant Probability
Moderate
3-4
OA Rounds
2y 5m
Est. Remaining
95%
With Interview

Examiner Intelligence

Grants 47% of resolved cases
47%
Career Allowance Rate
266 granted / 561 resolved
-4.6% vs TC avg
Strong +48% interview lift
Without
With
+48.0%
Interview Lift
resolved cases with interview
Typical timeline
4y 0m
Avg Prosecution
31 currently pending
Career history
606
Total Applications
across all art units

Statute-Specific Performance

§101
41.1%
+1.1% vs TC avg
§103
37.7%
-2.3% vs TC avg
§102
9.0%
-31.0% vs TC avg
§112
10.3%
-29.7% vs TC avg
Black line = Tech Center average estimate • Based on career data from 561 resolved cases

Office Action

§DP
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 . Status of the Claims Instant application is CON of: US Patent No. 12,236,415 B2; US Patent No. 11,790,343 B2; US Patent No. 11,100,488 B2; and US Patent No. 10,776,770 B2. Claims 2-3 an d 5-21 are presented for examination. Applicant filed a response to non-final Office action on 04/22/2026 amending claims 2, 5, 7, 10-13, 16, and 17-19. In light of Applicant’s amendments, Examiner has withdrawn the previous objections of claims 2, 10, 13, and 17. Examiner has, however, maintained objections for claims 5, 7, and 11; and double patenting rejection for claims 2-3 and 5-21 in the instant Office action. Since Examiner has maintained the previous double patenting rejection of claims 2-3 and 5-21, the instant rejection is FINAL rejection of the claims. Examiner’s Remarks Double Patenting: Applicant states in page 8 of Applicant’s Remarks: “Applicant has filed terminal disclaimers.” Examiner, however, cannot locate any filed terminal disclaimers. Patent Eligibility under § 101: The following claim limitations found in independent claims 2, 10, and 16, integrate the recited abstract idea into a practical application: invoking, using a host application, a child application executed on an electronic device, wherein the child application is configured to receive personal information provided by an end user, wherein the personal information is inaccessible by the host application, wherein the host application is associated with a host server distinct from a child application server associated with the child application, and wherein the child application is embedded in the host application; transmitting, using the child application, the request for the user data associated with the child user interface component to the child application server, wherein the child application server processes the request for the user data, and wherein the user data associated with the child user interface component is inaccessible by the host application; segmenting the user data to generate host user data and segmented user data, the segmented user data including the personal information; and displaying the segmented user data such that segmentation prevents the segmented user data associated with the personal information from being exposed to the host application. Prior Art under § 102 and § 103: The closest prior art reference located by Examiner – Lambert (US 2017/0061138 A1) – shows generally a method, a system, and a non-transitory computer-readable medium for integrating data from a remote server with a client application. The prior art fails to teach the following limitations present in independent claims 2, 10, and 16 – alone or in combination with other references – as an ordered combination of steps with other claim steps: invoking, using a host application, a child application executed on an electronic device, wherein the child application is configured to receive personal information provided by an end user, wherein the personal information is inaccessible by the host application, wherein the host application is associated with a host server distinct from a child application server associated with the child application, and wherein the child application is embedded in the host application; transmitting, using the child application, the request for the user data associated with the child user interface component to the child application server, wherein the child application server processes the request for the user data, and wherein the user data associated with the child user interface component is inaccessible by the host application; segmenting the user data to generate host user data and segmented user data, the segmented user data including the personal information; and displaying the segmented user data such that segmentation prevents the segmented user data associated with the personal information from being exposed to the host application. Claim Objections Claim 5 is objected to because of the following informality: 5. The computer-implemented method of claim 2, further comprising: encrypting the segmented user data with a security model of the child application and transmitting the encrypted segmented user data. Claim 5 should recite where the encrypted user data is transmitted to. Applicant could amend claim 5 to recite: 5. The computer-implemented method of claim 2, further comprising: encrypting the segmented user data with a security model of the child application and transmitting the encrypted segmented user data to the child application server. Claims 7 is objected to because of the following informality: 7. The computer-implemented method of claim 2, further comprising initiating a checkout payment transaction or a credit application via an interface element presented with displaying the segmented user data. There should be a colon (“:”) after “further comprising.” Applicant could amend claim 7 to recite: 7. The computer-implemented method of claim 2, further comprising: initiating a checkout payment transaction or a credit application via an interface element presented with displaying the segmented user data. Claim 11 is objected to because of the following informality: transmitting the segmented user data, wherein the segmented user data is transmitted as encrypted according to a security model of the child application. Claim 11 should recite where the encrypted user data is transmitted to. Applicant could amend claim 11 to recite: transmitting the segmented user data to the child application server, wherein the segmented user data is transmitted as encrypted according to a security model of the child application. Double Patenting The non-statutory 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 non-statutory 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 non-statutory 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 §§ 706.02(1)(1) - 706.02(1)(3) 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 USPTO Internet website contains terminal disclaimer forms which may be used. Please visit www.uspto.gov/patent/patents-forms. The 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/process/file/efs/guidance/eTTD- info-I.jsp. Claims 2-3 and 5-21 are rejected on the ground of non-statutory double patenting as being unpatentable over claims 1-18 of US Patent No. 12,236,415 B2; over claims 1-21 of US Patent No. 11,790,343 B2; over claims 1-20 of US Patent No. 11,100,488 B2; and over claims 1-54 of US Patent No. 10,776,770 B2. Although the claims at issue are not identical, they are not patentably distinct from each other because the claims of the instant application are obvious over the reference claims. Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. Graef (US 7,980,462 B1) discloses: “ In the exemplary embodiment each user is associated with at least one market segment. The segment or segments associated with the user and stored in correlated relation with the user identifying data in the database is indicative of attributes of the user which can be used to define products such as goods or services that the user may be interested in purchasing. The user data for each user may also include other information including information which corresponds to marketing presentations which are not to be made to the user. This may include personal information about the user, historical information about the user's responses to prior promotions, requests by the user that they not receive certain types of promotional information, data which indicates that information about a user cannot be shared, or other information that is useful in making marketing presentations to a user.” 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 VIRPI H. KANERVO whose telephone number is 571-272-9818. The examiner can normally be reached on Monday - Friday, 10 am - 6 pm, EST. If attempts to reach the examiner by telephone are unsuccessful, the examiner's supervisor Abhishek Vyas can be reached on 571-270-1836. 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. /VIRPI H KANERVO/ Primary Examiner, Art Unit 3691
Read full office action

Prosecution Timeline

Jan 17, 2025
Application Filed
Mar 26, 2026
Non-Final Rejection mailed — §DP
Apr 22, 2026
Response Filed
Jul 30, 2026
Final Rejection mailed — §DP (current)

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12705621
MULTI-FACTOR AUTHENTICATION USING LOCATION DATA
3y 11m to grant Granted Aug 11, 2026
Patent 12700040
OUTLIER SYSTEM FOR GROUPING OF CHARACTERISTICS
4y 5m to grant Granted Aug 04, 2026
Patent 12694392
Variant Card
3y 1m to grant Granted Jul 28, 2026
Patent 12664584
SYSTEMS AND METHODS FOR MANAGING A LOAN APPLICATION
2y 1m to grant Granted Jun 23, 2026
Patent 12632847
System, Method, and Computer Program Product for Generating Embeddings for Objects
1y 10m to grant Granted May 19, 2026
Study what changed to get past this examiner. Based on 5 most recent grants.

Strategy Recommendation AI-generated — please review before filing

Get a prosecution strategy drawn from examiner precedents, rejection analysis, and claim mapping.
Typically takes 5-10 seconds — AI-generated, attorney review required before filing

Prosecution Projections

3-4
Expected OA Rounds
47%
Grant Probability
95%
With Interview (+48.0%)
4y 0m (~2y 5m remaining)
Median Time to Grant
Moderate
PTA Risk
Based on 561 resolved cases by this examiner. Grant probability derived from career allowance rate.

Sign in with your work email

Enter your email to receive a magic link. No password needed.

Personal email addresses (Gmail, Yahoo, etc.) are not accepted.

Free tier: 3 strategy analyses per month