Prosecution Insights
Last updated: July 17, 2026
Application No. 19/095,201

SYSTEMS, METHODS, AND APPARATUSES FOR VERIFYING AUTHENTICATION CREDENTIALS IN AN ELECTRONIC NETWORK

Non-Final OA §DP
Filed
Mar 31, 2025
Priority
Sep 14, 2022 — continuation of 12/328,313
Examiner
RAHIM, MONJUR
Art Unit
Tech Center
Assignee
Bank of America Corporation
OA Round
1 (Non-Final)
84%
Grant Probability
Favorable
1-2
OA Rounds
1y 7m
Est. Remaining
99%
With Interview

Examiner Intelligence

Grants 84% — above average
84%
Career Allowance Rate
753 granted / 892 resolved
+24.4% vs TC avg
Strong +16% interview lift
Without
With
+16.4%
Interview Lift
resolved cases with interview
Typical timeline
2y 11m
Avg Prosecution
32 currently pending
Career history
924
Total Applications
across all art units

Statute-Specific Performance

§101
8.2%
-31.8% vs TC avg
§103
62.6%
+22.6% vs TC avg
§102
7.5%
-32.5% vs TC avg
§112
3.7%
-36.3% vs TC avg
Black line = Tech Center average estimate • Based on career data from 892 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 . DETAILED ACTION 1. This action is responsive to: an original application filed on 31 March 2025. 2. Claims 1-20 are currently pending and rejected. Information Disclosure Statement 3. The information disclosure statement (IDS) submitted on 31 March 2025. The submission is in compliance with the provisions of 37 CFR 1.97. Accordingly, the information disclosure statement is being considered by the examiner. Priority 4. Priority date claimed noted by the examiner. Drawings 5. The drawings filed on 31 March 2025 are accepted by the examiner. Double Patenting 6. 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 claims at issue 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); and 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 a nonstatutory double patenting ground provided the reference application or patent either is shown to be commonly owned with this application, or claims an invention made as a result of activities undertaken within the scope of a joint research agreement. A terminal disclaimer must be signed in compliance with 37 CFR 1.321(b). The USPTO internet Web site contains terminal disclaimer forms which may be used. Please visit http://www.uspto.gov/forms/. The filing date of the application will determine what form 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 http://www.uspto.gov/patents /process/ file/efs/guidance /eTD-info-I.jsp. Claims 1-20 are rejected under the grounds of non-statutory obviousness-type double patenting, as they are deemed unpatentable over claims 1-20 of US Patent application No. 17/944,716. Although the conflicting claims are not identical, they are considered not patentably distinct from one another, as they convey the same inventive concept. Specifically, both sets of claims disclose a method for verifying authentication credential by using machine learning model. Furthermore, it would have been obvious to one of ordinary skill in the art, at the time of the invention’s filing, to employ this approach to prevent and protect data from hacker, thereby rendering the claims unpatentable. Conclusion 7. The prior art made of record and not relied upon is considered pertinent to applicant’s disclosure. Any inquiry concerning this communication or earlier communications from the examiner should be directed to Monjour Rahim whose telephone number is (571)270-3890. If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Shewaye Gelagay can be reached on 571-272-4219. 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 CANANDA) or 571-272-1000. /Monjur Rahim/ Patent Examiner United States Patent and Trademark Office Art Unit: 2436; Phone: 571.270.3890 E-mail: monjur.rahim@uspto.gov Fax: 571.270.4890
Read full office action

Prosecution Timeline

Mar 31, 2025
Application Filed
Jul 09, 2026
Non-Final Rejection mailed — §DP (current)

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12676845
METHOD AND SYSTEM FOR AUTHENTICATING A USER TO ACCESS A WEB APPLICATION HOSTED ON AN APPLICATION SERVER
1y 10m to grant Granted Jul 07, 2026
Patent 12657337
SYSTEMS AND METHODS FOR RUNTIME CONTENT MASKING
2y 2m to grant Granted Jun 16, 2026
Patent 12659140
ENCRYPTED INFORMATION RETRIEVAL
1y 11m to grant Granted Jun 16, 2026
Patent 12652300
PROBABILISTIC EVIDENCE BASED INSIDER THREAT DETECTION AND REASONING
3y 6m to grant Granted Jun 09, 2026
Patent 12619554
NON-INTRUSIVE REKEYING FOR MEMORY ENCRYPTION
2y 0m to grant Granted May 05, 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
84%
Grant Probability
99%
With Interview (+16.4%)
2y 11m (~1y 7m remaining)
Median Time to Grant
Low
PTA Risk
Based on 892 resolved cases by this examiner. Grant probability derived from career allowance rate.

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