Prosecution Insights
Last updated: August 17, 2026
Application No. 19/179,295

SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS AND PROVIDING GRAPHIC VISUALIZATIONS OF AN AUTHENTICATION PROCESS

Non-Final OA §DP
Filed
Apr 15, 2025
Priority
Jun 22, 2018 — provisional 62/688,546 +8 more
Examiner
JUNG, HENRY H
Art Unit
3695
Tech Center
3600 — Transportation & Electronic Commerce
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
-29.1% vs TC avg
Strong +31% interview lift
Without
With
+30.7%
Interview Lift
resolved cases with interview
Typical timeline
3y 5m
Avg Prosecution
30 currently pending
Career history
142
Total Applications
across all art units

Statute-Specific Performance

§101
38.6%
-1.4% vs TC avg
§103
40.4%
+0.4% vs TC avg
§102
6.9%
-33.1% vs TC avg
§112
6.2%
-33.8% 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 15-April-2025. Domestic Benefit/National Stage priority for plurality of applications has been claimed in the Application Data Sheet, thus the examination will be undertaken in consideration of their effective filing date as the priority date, for applicable claims. The information disclosure statement (IDS) submitted on 15-April-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 1-14 of U.S. Patent No. US 12293368 B2 (US Application 17/567,015). 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 ‘368 invention of performing online user authentication, wherein the RBA-enabled directory server performs the data analysis regarding the authentication (e.g. extract data, apply RBA engine, generate reason code, identify anchors, etc.), and the RBA-enabled directory server fully authenticates the transaction, bypassing the ACS, based on determining the authentication request message as a low risk transaction. Conclusion 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

Apr 15, 2025
Application Filed
Jul 30, 2026
Non-Final Rejection mailed — §DP (current)

Precedent Cases

Applications granted by this same examiner with similar technology

Patent 12626242
SYSTEMS AND METHODS FOR A TRANSACTION CARD HAVING A CUSTOMER-SPECIFIC URL
2y 3m to grant Granted May 12, 2026
Patent 12602686
DETAILING SECURE SERVICE PROVIDER TRANSACTIONS
3y 9m to grant Granted Apr 14, 2026
Patent 12400234
MICROTRANSACTION DETECTION AND AUTHORIZATION SYSTEMS AND METHODS
2y 8m to grant Granted Aug 26, 2025
Patent 12346971
INFORMATION SHARING PORTAL ASSOCIATED WITH MULTI-VENDOR RISK RELATIONSHIPS
2y 3m to grant Granted Jul 01, 2025
Patent 12307529
SENSOR DATA INTEGRATION AND ANALYSIS
6y 3m to grant Granted May 20, 2025
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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