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 .
Status of Claims
This is a first office action on the merits, in response to the claims filed on October 14, 2025.
Claims 1-20 are pending.
Claims 1-20 have been examined.
Claim Objections
Claim 1 objected to because of the following informalities. For example, independent claim 1 recites, a computing system. Furthermore, dependent claims recite, for example, claim 2 recites, [t]he computing system for application programming interface integration according to claim 1. The language, “[t]he computing system for application programming interface integration” is not consistent with the independent claim 1. Appropriate correction is required.
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.
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Claims 1-20 are rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1-20 of Mueller et al. (US 12475441 B2, hereinafter, “Patent Document”). Although the claims at issue are not identical, they are not patentably distinct from each other because claims 1-20 of the instant application are anticipated by patent claims 1-20 of the Patent Document. See chart below:
Instant Application
Patent Document
For ease of comprehension, below contains only relevant and redacted claim language from the Patent Document.
Claim 1: A computing system, comprising: a memory; one or more processors in communication with the memory; and program instructions executable by the one or more processors via the memory to:
receive at a hypertext document of a first digital platform of a financial institution, one or more inputs to link to a digital program of a digital wallet service provider;
access, via a network, an application programming interface (API) that communicatively integrates a first server of the first digital platform of the financial institution with a second server of the digital program of the digital wallet service provider;
perform a cross-platform communication event incorporating a push-pull process that enables the first server to (a) push new information to the second server and (b) pull additional information associated with query parameters from the second server, the cross-platform communication event facilitating frequent data exchanges and real-time data processing using an internet protocol (IP) WebSocket connection between the financial institution and the digital wallet service provider that is continuously open;
integrate the first digital platform of the financial institution with a second digital platform of the digital wallet service provider by incorporating an inline frame of another hypertext document of the second digital platform of the digital wallet service provider within the hypertext document of the first digital platform of the financial institution;
provide, via a user interface of a user device, a digital display of the digital program of the second digital platform of the digital wallet service provider, the providing facilitating data entry to the digital program of the second digital platform of the digital wallet service provider;
receive, via the user interface, the data entry, wherein the data entry includes authentication of the user to access the digital program of the second digital platform of the digital wallet service provider;
trigger, upon the data entry being successful, a redirection from the digital program of the second digital platform of the digital wallet service provider to the hypertext document of the first digital platform of the financial institution;
display, via the user interface, the hypertext document of the first digital platform of the financial institution; and
receive a request to associate a bank account of the financial institution with a digital wallet of the digital wallet service provider and based thereon, connect the bank account to the digital wallet.
Claim 1: A computing system for application programming interface integration, the computing system comprising: a memory; one or more processors in communication with the memory; and program instructions executable by the one or more processors via the memory to:
receive, via a user interface of a user device, one or more inputs to link to a digital program of a digital wallet service provider identified from the one or more inputs, the one or more inputs being received at a hypertext document of a first digital platform of a financial institution,
access, via a network, the API that communicatively integrates the first server of the first digital platform of the financial institution with the second server of the digital program of the digital wallet service provider;
a cross-platform communication event via an application programming interface (API) with the digital program of the digital wallet service provider, the cross-platform communication event including a push-pull process that enables a first server of the first digital platform to automatically and instantly push new information to a second server of the digital program of the digital wallet service provider as soon as the new information is received and the first server pulling additional information associated with query parameters from the second server;
perform the cross-platform communication event to minimize server load through frequent data exchanges and real-time data processing using an internet protocol (IP) WebSocket connection between the financial institution and the digital wallet service provider that is continuously open rather than waiting for a webpage of the digital wallet service provider to open;
integrate the first digital platform of the financial institution with a second digital platform of the digital wallet service provider by incorporating an inline frame of another hypertext document of the second digital platform of the digital wallet service provider within the hypertext document of the first digital platform of the financial institution;
automatically provide, via the user interface, a digital display of the digital program of the second digital platform of the digital wallet service provider, the providing facilitating data entry to the digital program of the second digital platform of the digital wallet service provider;
receive, via the user interface, the data entry, wherein the data entry includes authentication of the user to access the digital program of the second digital platform of the digital wallet service provider;
in response to determining that the data entry to the digital program of the second digital platform of the digital wallet service provider is successful, trigger a redirection from the digital program of the second digital platform of the digital wallet service provider to the hypertext document of the first digital platform of the financial institution;
display, via the user interface, the hypertext document of the first digital platform of the financial institution; and
receive a request to associate a bank account of the financial institution with a digital wallet of the digital wallet service provider and based thereon, connect the bank account to the digital wallet such that the bank account is usable to make purchases via the digital wallet.
Claim 2: The computing system for application programming interface integration according to claim 1, wherein the hypertext document of the first digital platform of the financial institution includes an external payment gateway, the external payment gateway may be displayed via a payment gateway aggregator.
Claim 2: The computing system for application programming interface integration according to claim 1, wherein the hypertext document of the first digital platform of the financial institution includes an external payment gateway, the external payment gateway may be displayed via a payment gateway aggregator.
Claim 3: The computing system for application programming interface integration according to claim 1, wherein the one or more inputs include user authentication information necessary to access the digital program of the digital wallet service provider.
Claim 3: The computing system for application programming interface integration according to claim 1, wherein the one or more inputs include user authentication information necessary to access the digital program of the digital wallet service provider.
Claim 4: The computing system for application programming interface integration according to claim 1, wherein the user authentication information includes an email address of the user that is associated with the digital program of the digital wallet service provider.
Claim 4: The computing system for application programming interface integration according to claim 1, wherein the user authentication information includes an email address of the user that is associated with the digital program of the digital wallet service provider.
Claim 5: The computing system for application programming interface integration according to claim 1, wherein the cross-platform communication event including generating the digital display of the digital program of the digital wallet service provider, the digital display including a graphical embedded element comprising user customization characteristics.
Claim 5: The computing system for application programming interface integration according to claim 1, wherein the cross-platform communication event including generating the digital display of the digital program of the digital wallet service provider, the digital display including a graphical embedded element comprising user customization characteristics.
Claim 6: The computing system for application programming interface integration according to claim 5, wherein the data entry to the digital program of the second digital platform of the digital wallet service provider includes a selection of the graphical embedded element, wherein the graphical embedded element includes an actionable element to add payment account information of the user pulled from the first digital platform of the financial institution to the digital program of the digital wallet service provider.
Claim 6: The computing system for application programming interface integration according to claim 5, wherein the data entry to the digital program of the second digital platform of the digital wallet service provider includes a selection of the graphical embedded element, wherein the graphical embedded element includes an actionable element to add payment account information of the user pulled from the first digital platform of the financial institution to the digital program of the digital wallet service provider.
Claim 7: The computing system for application programming interface integration according to claim 1, wherein the providing the digital display includes overlaying, via a website overlay, the digital program of the digital wallet service provider on top of the hypertext document of the first digital platform of the financial institution.
Claim 7: The computing system for application programming interface integration according to claim 1, wherein the providing the digital display includes overlaying, via a website overlay, the digital program of the digital wallet service provider on top of the hypertext document of the first digital platform of the financial institution.
Claim 8: The computing system for application programming interface integration according to claim 1, wherein the data entry to the digital program of the second digital platform of the digital wallet service provider includes payment information of a payment account that is established with the financial institution.
Claim 8: The computing system for application programming interface integration according to claim 1, wherein the data entry to the digital program of the second digital platform of the digital wallet service provider includes payment information of a payment account that is established with the financial institution.
Independent claims 9 and 14 and their respective dependent claims 10-13 and 15-20 recites subject matter similar to that discussed above in connection with independent claim 1 and its respective dependent claims 2-8. Accordingly, claims 9 and 14 and their respective dependent claims 10-13 and 15-20 are rejected under a similar rationale as independent claim 1 and its respective dependent claims 2-8.
Therefore, it would have been obvious to a person of ordinary skill in the art to modify claims 1-20 of the Patent Document by removing the additional limitations, resulting generally in the claims of the instant Application, since the claims of instant application and the claim recited in the Patent Document actually perform a similar function. It is well settled that the omission of an element and its function is an obvious expedient if the remaining elements perform the same function as before. In re Karison, 136 USPQ 184 (CCPA 1963). Also note Ex parte Rainu, 168 USPQ 375 (Bd. App. 1969). Thus, omission of a reference element whose function is not needed would be obvious to one of ordinary skill in the art.
Conclusion
The prior art made of record and not relied upon is considered pertinent to applicant's disclosure are the following:
ROYYURU et al. (US 20210279699 A1) discloses, facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card.
Cronk et al. (US 20120011567 A1) discloses, providing protected content to subscribers of a managed (e.g., MSO) network via a content source accessible via an internetwork such as the Internet. This includes authenticating the user as a subscriber of the MSO, and determining the subscriber's subscription level. The subscriber may be redirected to a page on the programmers' site where the user can select from a dropdown list or menu structure or other mechanism, their associated MSO. Thereafter, the corresponding login page will be displayed to complete the authentication process based on the implemented approach (i.e., redirect, popup or iframe).
MCHUGH et al. (US 20210192519 A1) discloses, securely verifying an identity of a user who is requesting to add or link a financial instrument to a third-party digital wallet using one-tap contactless card authentication.
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/JAHED ALI/
Examiner, Art Unit 3699