Prosecution Insights
Last updated: April 19, 2026
Application No. 19/080,099

MULTI-MATERIAL CARDS WITH ANTENNAS

Non-Final OA §102
Filed
Mar 14, 2025
Examiner
ST CYR, DANIEL
Art Unit
2876
Tech Center
2800 — Semiconductors & Electrical Systems
Assignee
Jpmorgan Chase Bank N A
OA Round
1 (Non-Final)
81%
Grant Probability
Favorable
1-2
OA Rounds
2y 4m
To Grant
95%
With Interview

Examiner Intelligence

Grants 81% — above average
81%
Career Allow Rate
1131 granted / 1390 resolved
+13.4% vs TC avg
Moderate +13% lift
Without
With
+13.2%
Interview Lift
resolved cases with interview
Typical timeline
2y 4m
Avg Prosecution
45 currently pending
Career history
1435
Total Applications
across all art units

Statute-Specific Performance

§101
0.8%
-39.2% vs TC avg
§103
43.1%
+3.1% vs TC avg
§102
32.0%
-8.0% vs TC avg
§112
3.1%
-36.9% vs TC avg
Black line = Tech Center average estimate • Based on career data from 1390 resolved cases

Office Action

§102
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 . Claim Rejections - 35 USC § 102 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 the appropriate paragraphs of 35 U.S.C. 102 that form the basis for the rejections under this section made in this Office action: A person shall be entitled to a patent unless – (a)(2) the claimed invention was described in a patent issued under section 151, or in an application for patent published or deemed published under section 122(b), in which the patent or application, as the case may be, names another inventor and was effectively filed before the effective filing date of the claimed invention. Claim(s) 1-17 is/are rejected under 35 U.S.C. 102(a)(2) as being anticipated by Sindelar et al, US Pub. 2024/0311602. Sindelar et al disclose transaction cards comprising: a card substrate comprising an antenna recess (the antenna may be printed to form a recess); an antenna received in the antenna recess(par. 0032); a chip opening in the antenna recess 210; a chip received in the chip opening, wherein the antenna is in electrical communication with the chip (Fig. 2A); and a non-blocking material positioned over the chip and the antenna in the antenna recess (conductive material 115); wherein the non-blocking material allows radio frequency waves to pass to the antenna (Fig. 1-4; par. 0041-0051). Regarding claims 2-3, wherein the card substrate comprises a material that blocks radio frequency communication (the substrate could be of metal; par. 0047, 0051). Regarding 4, wherein the antenna comprises an antenna array (see Fig. 2A). Regarding claim 5, wherein the chip comprises electrical contacts that are accessible through the chip opening (see par. 0045). Regarding claim 6, further comprising a magnetic stripe (see Fig. 2B; par. 0049). Regarding claims 7 and 12, in addition to the rejection of claim 1 above, the prior art discloses a first card substrate layer a second card substrate layer for installing the components and covering the components (Fig. 1B); an antenna positioned between the first card substrate layer and the second card substrate layer, the antenna located on a perimeter of the first card substrate layer and the second card substrate layer (Fig. 3); a chip opening in the first card substrate layer; and a chip received in the chip opening, wherein the antenna is in electrical communication with the chip (see par. 0041-0051). Regarding claims 8-9 and 13-14, wherein the card substrate comprises a material that blocks radio frequency communication (the substrate could be of metal; par. 0047, 0051). Regarding claims 10 and 15, wherein the antenna comprises an antenna array (see Fig. 2A). Regarding claims 11 and 16, wherein the chip comprises electrical contacts that are accessible through the chip opening (see par. 0045). Regarding claim 17, further comprising a magnetic stripe (see Fig. 2B; par. 0049). Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure. Finn et al, 12,159,180, disclose RFID enable metal cards with coupler coil couplings. Miu et al, US Pub. 2021/0216982, discloses a converge payment. Any inquiry concerning this communication or earlier communications from the examiner should be directed to DANIEL ST CYR whose telephone number is (571)272-2407. The examiner can normally be reached M to F 8:00-8:00. 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, Michael G Lee can be reached at 571-272-2398. 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. DANIEL ST CYR Primary Examiner Art Unit 2876 /DANIEL ST CYR/Primary Examiner, Art Unit 2876
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Prosecution Timeline

Mar 14, 2025
Application Filed
Feb 23, 2026
Non-Final Rejection — §102 (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

1-2
Expected OA Rounds
81%
Grant Probability
95%
With Interview (+13.2%)
2y 4m
Median Time to Grant
Low
PTA Risk
Based on 1390 resolved cases by this examiner. Grant probability derived from career allow rate.

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