Prosecution Insights
Last updated: July 17, 2026
Application No. 19/103,606

FINANCIAL TRANSACTION TERMINAL

Non-Final OA §103
Filed
Feb 13, 2025
Priority
Aug 16, 2022 — CN 202222156266.8 +1 more
Examiner
YU, ARIEL J
Art Unit
3627
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
Pax Computer Technology (Shenzhen) Co. Ltd.
OA Round
1 (Non-Final)
40%
Grant Probability
Moderate
1-2
OA Rounds
2y 9m
Est. Remaining
68%
With Interview

Examiner Intelligence

Grants 40% of resolved cases
40%
Career Allowance Rate
159 granted / 394 resolved
-11.6% vs TC avg
Strong +27% interview lift
Without
With
+27.3%
Interview Lift
resolved cases with interview
Typical timeline
4y 2m
Avg Prosecution
40 currently pending
Career history
435
Total Applications
across all art units

Statute-Specific Performance

§101
4.3%
-35.7% vs TC avg
§103
88.5%
+48.5% vs TC avg
§102
5.0%
-35.0% vs TC avg
§112
0.7%
-39.3% vs TC avg
Black line = Tech Center average estimate • Based on career data from 394 resolved cases

Office Action

§103
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 . Drawings The drawings filed on 02/13/2025 are accepted by the examiner. Claim Rejections - 35 USC § 103 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 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 35 U.S.C. 103 which forms the basis for all obviousness rejections set forth in this Office action: A patent for a claimed invention may not be obtained, notwithstanding that the claimed invention is not identically disclosed as set forth in section 102, if the differences between the claimed invention and the prior art are such that the claimed invention as a whole would have been obvious before the effective filing date of the claimed invention to a person having ordinary skill in the art to which the claimed invention pertains. Patentability shall not be negated by the manner in which the invention was made. Claims 1-20 are rejected under 35 U.S.C. 103 as being unpatentable over China Patent No. CN 112,993,541 to Zhang, in view of China Patent No. CN 216,903,322 to Cao. With regard to claim 1, Zhang discloses a terminal, comprising a housing (fig,1, the housing 20), a metal plate installed in the housing (fig, 2, a matching circuit 22), and a circuit board installed in the housing (fig. 1, a circuit board 30), the circuit board comprising a grounding wire (fig. 2, the ground plane 24), and the circuit board being electrically connected to an NFC signal source (fig. 2, the field communication chip 21), wherein a first connection point and a second connection point are arranged on the metal plate at intervals (fig. 2, the matching circuit 22 comprises a first input end 221, a second input end 222, a first output end 223 and a second output end 224.), and the first connection point is connected to the grounding wire of the circuit board by a first conductive member (fig. 2, page 6, lines 17-24, and page 7, lines 23-24, The conductor structure 23 is used for transmitting the differential excitation current. wherein, the conductor structure 23 comprises a first feeding end 231 and a grounding end 232 arranged at intervals. the first feeding end 231 is electrically connected with the first output end 223 of the matching circuit 22. the grounding end 232 of the conductor structure 23 is electrically connected with the grounding plane 24 of the first grounding point 241.), and a grounding terminal of the NFC signal source is connected to the grounding wire (fig. 2, page 5, lines 39-44 and page 7, lines 23-26, the NFC chip 21 comprises a second differential signal terminal 212. the second differential signal terminal 212 may be the negative (-) port of the NFC chip 21. The second output terminal 224 of the matching circuit 22 is electrically connected to the second ground point 242 of the ground plane 24.), and the second connection point is connected to a positive terminal of the NFC signal source by a second conductive member (fig. 2, page 6, lines 8-14, the first input end 221 is electrically connected with the first differential signal end 211 of the NFC chip 21). However, Zhang does not disclose the terminal is a financial transaction terminal. However, Cao teaches the terminal is a financial transaction terminal (using the NFC technology of the device can be in the condition of close to each other for data exchange, mobile payment, background). Therefore, it would have been obvious to one of ordinary skill in the art before the effective filing date of the claimed invention to modify Zhang to include, the terminal is a financial transaction terminal, as taught in Cao, in order to reduce layout difficulty (Cao, abstract ). With regard to claim 2, Zhang discloses wherein the housing is equipped with a printer, and the metal plate is a paper cutting blade of the printer (Examiner notes that it’s obvious that the combination of references can includes a printer to print receipts during payment transaction processing). With regard to claim 3, Zhang discloses the housing is equipped with a display screen, and the metal plate is a back plate of the display screen (fig. 1. Page 4, lines 11, 30-35, a display screen 10. The middle frame can be a thin plate-shaped or sheet-shaped structure. It can be understood that the material of the middle frame can include metal or plastic and so on.). With regard to claim 4, Zhang discloses the metal plate is a metal trace disposed on one side of the circuit board, and two ends of the metal trace respectively form the first connection point and the second connection point, and the first conductive member is a circuit trace disposed on one side of the circuit board, and the grounding wire adjacent to the grounding terminal of the NFC signal source is spaced apart from the metal trace (fig. 2, page 10, lines 31-33, and claim 14,The feed path 235 may be formed by a metal line in the electronic device 100. For example, the feed path 235 can be formed by the printed circuit on the circuit board 30 in the electronic device 100. For example, the feed path 235 may also be formed by the metal wire in the electronic device 100. wherein the flexible circuit board is electrically connected with the circuit board, the flexible circuit board is provided with a metal routing line, and the conductor structure comprises the metal routing line.). With regard to claims 5, 13, and 14, Zhang discloses a grounding point is provided on the circuit board adjacent to the first connection point, and the grounding point is connected to the grounding wire, and the first conductive member is connected to the grounding point, and a distance between the grounding point and the positive terminal of the NFC signal source is in a range of 30-120 mm (fig. 2, Examiner notes that it’s obvious that a distance between the grounding point and the positive terminal of the NFC signal source is a merely a design of choice and can be determined based on a circuity design). With regard to claim 6, Zhang discloses a distance between the circuit board and a side of the metal plate adjacent to the first connection point is greater than or equal to 0.5 mm (Fig. 2, Examiner notes that it’s obvious for an electronic device to assemble a circuit board and a metal plate together with a certain distance). With regard to claims 7 and 15-17, Zhang discloses the financial transaction terminal further comprises a magnetic conductive layer, and the magnetic conductive layer covers at least a hollow area enclosed by the metal plate, the first conductive member, the second conductive member and the grounding wire of the circuit board (fig, 2, page 7, lines 27-37, It can be understood that the conductive loop when transmitting the differential excitation current, the conductive path of the conductor structure 23 and the ground plane 24 can generate alternating electromagnetic field, so as to radiate the NFC signal to realize the NFC communication of the electronic device 100. ). With regard to claim 8 and 18-19, Zhang discloses the housing is equipped with a conductive wire, and the conductive wire is extended along a side of the metal plate adjacent to the first connection point and the second connection point, and a distance between the conductive wire and the side of the metal plate adjacent to the first connection point is greater than or equal to 0.5mm, and one end of the conductive wire is electrically connected to the first connection point, and the other end of the conductive wire is connected to the first conductive member (fig, 2, Examiner notes that how to assembly the conductive wire and the side of the metal plate adjacent to the first connection point to keep a distance is merely a design of choice). With regard to claim 9, Zhang discloses the distance between the first connection point and the second connection point ranges from 30 to 120 mm (fig, 2, a different distance between the first connection point and the second connection point is merely a design of choice). With regard to claims 10 and 20, Zhang discloses the first connection point and the second connection point are both arranged on a side edge of the metal plate adjacent to the circuit board (fig. 2). With regard to claim 11, Zhang discloses the first conductive member can a wire or a metal strip (claim 14, With reference to FIG. 2, the conductor structure 23 may be a metal structure in the electronic device 100 or a metal wiring on the circuit board 30.). With regard to claim 12, Zhang discloses the second conductive member can a wire or a metal strip (claim 14, a metal routing line). Conclusion Please refer to form 892 for cited references. Any inquiry concerning this communication or earlier communications from the examiner should be directed to ARIEL J YU whose telephone number is (571)270-3312. The examiner can normally be reached 11AM - 7PM (M-F). 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, Obeid Fahd A can be reached on 571-270-3324. 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. /ARIEL J YU/Primary Examiner, Art Unit 3627
Read full office action

Prosecution Timeline

Feb 13, 2025
Application Filed
Jun 04, 2026
Non-Final Rejection mailed — §103 (current)

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12682411
NETWORK DETECTION-BASED MONITORING OF ELECTRONIC MERCHANDISE
6y 2m to grant Granted Jul 14, 2026
Patent 12670773
TRUST-BASED BAG CHECKS IN A RETAIL ENVIRONMENT
3y 2m to grant Granted Jun 30, 2026
Patent 12664571
VALIDATING IDENTIFICATION OF A USER FOR PURCHASE OF AGE-RESTRICTED ITEMS
2y 3m to grant Granted Jun 23, 2026
Patent 12579524
CRYPTOCURRENCY TERMINAL AND TRANSACTION PROCESSING
8y 1m to grant Granted Mar 17, 2026
Patent 12579526
TARGETED REMOTE PAYMENTS LEVERAGING ULTRA-WIDEBAND (UWB) AND MICRO-ELECTROMECHANICAL SYSTEMS (MEMS) SENSOR COMMUNICATIONS
2y 11m to grant Granted Mar 17, 2026
Study what changed to get past this examiner. Based on 5 most recent grants.

Strategy Recommendation AI-generated — please review before filing

Get a prosecution strategy drawn from examiner precedents, rejection analysis, and claim mapping.
Typically takes 5-10 seconds — AI-generated, attorney review required before filing

Prosecution Projections

1-2
Expected OA Rounds
40%
Grant Probability
68%
With Interview (+27.3%)
4y 2m (~2y 9m remaining)
Median Time to Grant
Low
PTA Risk
Based on 394 resolved cases by this examiner. Grant probability derived from career allowance rate.

Sign in with your work email

Enter your email to receive a magic link. No password needed.

Personal email addresses (Gmail, Yahoo, etc.) are not accepted.

Free tier: 3 strategy analyses per month