Prosecution Insights
Last updated: August 06, 2026
Application No. 19/041,731

SYSTEMS AND METHODS FOR GENERATING DATA STRUCTURES FOR REIMBURSEMENTS

Non-Final OA §DP
Filed
Jan 30, 2025
Priority
Feb 29, 2012 — provisional 61/605,008 +6 more
Examiner
ADE, OGER GARCIA
Art Unit
Tech Center
Assignee
Cass Information Systems Inc.
OA Round
1 (Non-Final)
75%
Grant Probability
Favorable
1-2
OA Rounds
1y 7m
Est. Remaining
73%
With Interview

Examiner Intelligence

Grants 75% — above average
75%
Career Allowance Rate
826 granted / 1098 resolved
+15.2% vs TC avg
Minimal -2% lift
Without
With
+-2.5%
Interview Lift
resolved cases with interview
Typical timeline
3y 1m
Avg Prosecution
24 currently pending
Career history
1113
Total Applications
across all art units

Statute-Specific Performance

§101
40.3%
+0.3% vs TC avg
§103
36.9%
-3.1% vs TC avg
§102
3.9%
-36.1% vs TC avg
§112
4.5%
-35.5% vs TC avg
Black line = Tech Center average estimate • Based on career data from 1098 resolved cases

Office Action

§DP
Notice of Pre-AIA or AIA Status 1. 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 2. This communication is in response to the application filed on 01.30.2025. Claims 1-20 are pending in this application. Oath/Declaration 3. The Applicants’ oath/declaration has been reviewed by the Examiner and is found to conform to the requirements prescribed in 37 C.F.R. 1.63. Information Disclosure Statement 4. As required by M.P.E.P. 609(C), the Applicant' s submission of the Information Disclosure Statement (IDS) dated 02.05.2025 is acknowledged by the Examiner. The cited references have been considered in the examination of the claims. As required by M.P.E.P 609 C (2), a copy of the PTOL-1449 initialed, signed and dated by the Examiner is attached to the instant Office action. Priority / Filing Date 5. Applicants’ claim for priority of US Application filed on 02.29.2012 is acknowledged. The Examiner takes the US Application date of 02.29.2012 into consideration. Double Patenting 6. 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 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 §§ 706.02(l)(1) - 706.02(l)(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/eTD-info-I.jsp. 7. Claims 1-20 are rejected on the ground of non-statutory double patenting as being unpatentable over claims 1-12 of U.S. Patent No. 10,839,434. Although the claims at issue are not identical, they are not patentably distinct from each other because the clams are directed to the same invention. 8. Claims 1-20 are rejected on the ground of non-statutory double patenting as being unpatentable over claims 1-18 of U.S. Patent No. 9,978,087. Although the claims at issue are not identical, they are not patentably distinct from each other because the clams are directed to the same invention. 9. Claims 1-20 are rejected on the ground of non-statutory double patenting as being unpatentable over claims 1-28 of U.S. Patent No. 8,744,935. Although the claims at issue are not identical, they are not patentably distinct from each other because the clams are directed to the same invention. Conclusion 10. The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. The PTO-1449 forms have been reviewed and considered. 11. Any inquiry concerning this communication or earlier communications from the examiner should be directed to Garcia Ade whose telephone number is (571)272-5586. The examiner can normally be reached on Monday - Friday. 12. 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, Ryan Zeender can be reached on 571-272-6790. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300. 13. 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 https://ppair-my.uspto.gov/pair/PrivatePair. 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. /Garcia Ade/Primary Examiner, Art Unit 3627 /GA/Primary Examiner, Art Unit 3627
Read full office action

Prosecution Timeline

Jan 30, 2025
Application Filed
Jul 15, 2026
Non-Final Rejection mailed — §DP (current)

Precedent Cases

Applications granted by this same examiner with similar technology

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Patent 12688488
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1y 10m to grant Granted Jul 21, 2026
Patent 12664514
USER INTERFACE ENABLING ORDER FULFILLMENT OPTIONS BASED ON PREDICTED FULFILLMENT TIMES FROM A TRAINED MODEL
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2y 5m to grant Granted Jun 16, 2026
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
75%
Grant Probability
73%
With Interview (-2.5%)
3y 1m (~1y 7m remaining)
Median Time to Grant
Low
PTA Risk
Based on 1098 resolved cases by this examiner. Grant probability derived from career allowance rate.

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