DETAILED ACTION
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 .
Response to Amendment
2. The Amendment filed on July 02, 2026 has been entered. Claims 1-3, 9-10, 13-14, 16-17, and 19 have been amended. No claims have been cancelled and no new claims have been added. Thus, claims 1-20 are pending and rejected for the reasons set forth below.
Claim Rejections - 35 USC § 101
3. 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.
4. Claims 1-20 are rejected under 35 U.S.C. § 101 because the claimed invention is directed to a judicial exception (i.e., a law of nature, a natural phenomenon, or an abstract idea) without significantly more.
In sum, claims 1-20 are rejected under 35 U.S.C. §101 because the claimed invention is directed to a judicial exception to patentability (i.e., a law of nature, a natural phenomenon, or an abstract idea) and do not include an inventive concept that is something “significantly more” than the judicial exception under the January 2019 patentable subject matter eligibility guidance (2019 PEG) analysis which follows.
Under the 2019 PEG step 1 analysis, it must first be determined whether the claims are directed to one of the four statutory categories of invention (i.e., process, machine, manufacture, or composition of matter). Applying step 1 of the analysis for patentable subject matter to the claims, it is determined that the claims are directed to the statutory category of a process, (claims 1-8 and 16-20) and a machine (claims 9-15) where the machine is substantially directed to the subject matter of the process. (See, e.g., MPEP §2106.03). Under the 2019 PEG step 2A, Prong 1 analysis, it must be determined whether the claims recite an abstract idea that falls within one or more designated categories of patent ineligible subject matter (i.e., organizing human activity, mathematical concepts, and mental processes) that amount to a judicial exception to patentability. Here, the claims recite the abstract idea of carrying out a transaction using consent verification from a guardian by:
receiving,…, a transaction involving an account for a person having a registered guardian;
determining,…, that the transaction requires guardian consent from the registered guardian;
communicating,…, a notification comprising a code to a registered guardian,…,associated with the registered guardian;
prompting, by the,…, an,..., for the person for the code;
receiving by the,…, and from the,…, for the person, the code; and executing,…, the transaction in response to receiving the code.
Here, the recited abstract idea falls within one or more of the three enumerated 2019 PEG categories of patent ineligible subject matter, to wit: the category of certain methods of organizing human activity, which includes fundamental economic practices or principles and commercial or legal interactions (e.g., carrying out a transaction using consent verification from a guardian).
Under the 2019 PEG step 2A, Prong 2 analysis, the identified abstract idea to which the claim is directed does not include limitations that integrate the abstract idea into a practical application, since the recited features of the abstract idea are being applied on a computer or computing device or via software programming that is simply being used as a tool (“apply it”) to implement the abstract idea. (See, e.g., MPEP §2106.05(f)). Therefore, the claim is directed to an abstract idea.
Under the 2019 PEG step 2B analysis, the additional elements are evaluated to determine whether they amount to something “significantly more” than the recited abstract idea. (i.e., an innovative concept). Here, the additional elements, such as: a “program” and “device” do not amount to an innovative concept since, as stated above in the step 2A, Prong 2 analysis, the claims are simply using the additional elements as a tool to carry out the abstract idea (i.e., “apply it”) on a computer or computing device and/or via software programming. (See, e.g., MPEP §2106.05(f)). The additional elements are specified at a high level of generality to simply implement the abstract idea and are not themselves being technologically improved. (See, e.g., MPEP §2106.05 I.A.); (see also, paragraph [0004] of the specification). Claims 9 and 16 are nearly identical to claim 1 so the same analysis applies to these claims as well.
Dependent claims 2-8, 10-15, and 17-20 have all been considered and do not integrate the abstract idea into a practical application. Dependent claims 2, 3, 10, and 17 recite nearly identical limitations that further define the abstract idea noted in claim 1 in that they describe that the transaction comprises an online payment or ATM withdrawal. Dependent claims 4, 11, and 18 recite nearly identical limitations that further define the abstract idea noted in claim 1 in that they describe that comparing the transaction to a threshold as part of the guardian consent. Dependent claims 5, 12, and 18 recite nearly identical limitations that further define the abstract idea noted in claim 1 in that they describe what the threshold is based upon. Dependent claims 6, 13, and 19 recite nearly identical limitations that further define the abstract idea noted in claim 1 in that they describe what the notification specifically comprises. Dependent claims 7, 14, and 19 recite nearly identical limitations that further define the abstract idea noted in claim 1 in that they describe what the type of information is contained within the notification. Dependent claims 8, 15, and 20 recite nearly identical limitations that further define the abstract idea noted in claim 1 in that they describe that the transaction is not conducted if no guardian consent is received.
The elements of the instant process steps when taken in combination do not offer substantially more than the sum of the functions of the elements when each is taken alone. The claims as a whole, do not amount to significantly more than the abstract idea itself because the claims do not effect an improvement to another technology or technical field (e.g., the field of computer coding technology is not being improved); the claims do not amount to an improvement to the functioning of an electronic device itself which implements the abstract idea (e.g., the general purpose computer and/or the computer system which implements the process are not made more efficient or technologically improved); the claims do not perform a transformation or reduction of a particular article to a different state or thing (i.e., the claims do not use the abstract idea in the claimed process to bring about a physical change. See, e.g., Diamond v. Diehr, 450 U.S. 175 (1981), where a physical change, and thus patentability, was imparted by the claimed process; contrast, Parker v. Flook, 437 U.S. 584 (1978), where a physical change, and thus patentability, was not imparted by the claimed process); and the claims do not move beyond a general link of the use of the abstract idea to a particular technological environment (e.g., simply claiming the use of a computer and/or computer system to implement the abstract idea).
Response to Arguments
5. Applicant’s arguments filed on July 02, 2026 have been fully considered.
Regarding the pending rejection of claims 1-20 are rejected under 35 U.S.C. 102(a)(1) and 102(a)(2), as a result of the amendments to the claim and Applicant’s arguments which have been found to be persuasive, the pending rejection is now moot and, hereby, withdrawn. Garlapati fails to disclose a transaction involving an account for a person having a registered guardian, and, instead, it discloses a cash withdrawal by an intended recipient from an account for a user, which distinct from the current invention.
Applicant’s arguments concerning the 35 U.S.C. §101 rejection of the claims, including supposed deficiencies in the rejection, are not persuasive. Applicant argues that “Claims 9 and 16 claims integrate any alleged judicial exception into a practical application using the additional elements of ‘determining, by the computer program, that the transaction requires guardian consent from the registered guardian,’ ‘communicating, by the computer program, a request for guardian consent for the transaction to a registered guardian electronic device associated with the registered guardian,’ ‘receiving, by the computer program and from the registered guardian electronic device, the guardian consent for the transaction,’ and ‘executing, by the computer program, the transaction in response to receiving the guardian consent.’” (See Applicant’s Arguments, p. 9). However, the amended claim limitations are not indicative of an integration into a practical application as improvement to the functioning of a computer or to any other technology or technical field is not evidenced. Merley using a “code” to verify a user in order to receive funds does not integrate the abstract idea into a practical application. These elements are merely generic components that are implementing the abstract idea.
Therefore, the rejection under 35 U.S.C. §101 is maintained.
Conclusion
Accordingly, THIS ACTION IS MADE FINAL. See MPEP § 706.07(a). 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 date of this final action.
Any inquiry concerning this communication or earlier communications from the Examiner should be directed to Amit Patel whose telephone number is (313) 446-4902. The Examiner can normally be reached Mon - Thu 8 AM - 6 PM EST. If attempts to reach the Examiner by telephone are unsuccessful, the Examiner’s supervisor, Matthew Gart, can be reached at (571) 272-3955. The Examiner’s fax number is (571) 273-6087. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300.
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/Amit Patel/
Examiner, Art Unit 3696
/EDWARD CHANG/Primary Examiner, Art Unit 3696
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