Prosecution Insights
Last updated: July 17, 2026
Application No. 19/088,515

SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS

Non-Final OA §DP
Filed
Mar 24, 2025
Priority
Jun 22, 2018 — provisional 62/688,528 +4 more
Examiner
JUNG, HENRY H
Art Unit
Tech Center
Assignee
Mastercard International Incorporated
OA Round
1 (Non-Final)
23%
Grant Probability
At Risk
1-2
OA Rounds
2y 1m
Est. Remaining
54%
With Interview

Examiner Intelligence

Grants only 23% of cases
23%
Career Allowance Rate
25 granted / 109 resolved
-37.1% vs TC avg
Strong +31% interview lift
Without
With
+30.7%
Interview Lift
resolved cases with interview
Typical timeline
3y 5m
Avg Prosecution
24 currently pending
Career history
139
Total Applications
across all art units

Statute-Specific Performance

§101
35.8%
-4.2% vs TC avg
§103
49.5%
+9.5% vs TC avg
§102
3.4%
-36.6% vs TC avg
§112
1.8%
-38.2% vs TC avg
Black line = Tech Center average estimate • Based on career data from 109 resolved cases

Office Action

§DP
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 Application Claims 1-20 have been examined in this application. The filling date of this application number recited above is 24-March-2025. Domestic Benefit/National Stage priority has been claimed for Continuation of Application 16/448,822, and Provisional Applications 62/688,528, 62/688,529, 62/688,546, and 62/688532 in the Application Data Sheet, thus the examination will be undertaken in consideration of 21-June-2019, and 22-June-2018, as the priority date, for applicable claims. The information disclosure statement (IDS) submitted on 26-March-2025 and 29-January-2026 are in compliance with the provisions of 37 CFR 1.97. Accordingly, the IDS are being considered by the examiner. Double Patenting The nonstatutory 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 nonstatutory 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 § 2146 et seq. 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 filing of a terminal disclaimer by itself is not a complete reply to a nonstatutory double patenting (NSDP) rejection. A complete reply requires that the terminal disclaimer be accompanied by a reply requesting reconsideration of the prior Office action. Even where the NSDP rejection is provisional the reply must be complete. See MPEP § 804, subsection I.B.1. For a reply to a non-final Office action, see 37 CFR 1.111(a). For a reply to final Office action, see 37 CFR 1.113(c). A request for reconsideration while not provided for in 37 CFR 1.113(c) may be filed after final for consideration. See MPEP §§ 706.07(e) and 714.13. The USPTO Internet website contains terminal disclaimer forms which may be used. Please visit www.uspto.gov/patent/patents-forms. The actual 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/apply/applying-online/eterminal-disclaimer. Claims 1-20 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-18 of U.S. Patent No. US 12260411 B2 (US Application 16/448,822). Although the claims at issue are not identical, they are not patentably distinct from each other because the present application comprises broader claim limitations of the ‘411 invention of performing authentication when an ACS is offline or otherwise unavailable, wherein an authentication model is built to stand in place of the ACS, performing authentication using the RBA engine to establish a plurality of reason code categories, then transmitting the results to generate and transmit an authentication response. Conclusion The prior art made of record and not relied upon is considered pertinent to applicant's disclosure: Toomey (US 20040123140 A1) discloses [0010] “In the situation where a pool of authentication servers is used, an efficient technique for routing the authentication request to the available ones among the replicated authentication servers becomes significant. For example, in order to provide higher available authentication server, a secondary authentication server is often needed to back up a first authentication server, which is also referred to the primary authentication server. The secondary authentication server is used when the primary authentication server is temporarily unavailable”; Any inquiry concerning this communication or earlier communications from the examiner should be directed to HENRY H JUNG whose telephone number is (571)270-5018. The examiner can normally be reached Mon - Fri 9:30 - 5:30. 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, Christine M Tran (Behncke) can be reached at (571) 272-8103. 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. /HENRY H JUNG/ Examiner, Art Unit 3695 /CHRISTINE M Tran/ Supervisory Patent Examiner, Art Unit 3695
Read full office action

Prosecution Timeline

Mar 24, 2025
Application Filed
Jul 01, 2026
Non-Final Rejection mailed — §DP (current)

Precedent Cases

Applications granted by this same examiner with similar technology

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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
23%
Grant Probability
54%
With Interview (+30.7%)
3y 5m (~2y 1m remaining)
Median Time to Grant
Low
PTA Risk
Based on 109 resolved cases by this examiner. Grant probability derived from career allowance rate.

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