DETAILED ACTION
This is first office action on the merits in response to the application filed on 12/08/2025.
Claims 1-20 have been filed by the applicant.
Claims 1-20 are currently pending and have been examined.
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 .
Claim Objections
Claim 20 recites “OTP regis” in line 3. The examiner believe is should be “OTP registration”. 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.
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 1-6, 8-14 and 16-19 rejected on the ground of nonstatutory double patenting as being unpatentable over claims 1, 4-5, 8, 10-11, 13-16 and 18-20 of U.S. Patent No. 12524768 in view of US 20200327575 A1 (Dao).
Claim 1 rejected on the ground of nonstatutory double patenting as being unpatentable over claim 16 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao). Claim 16 of Rule recites limitations of the present claim 1. Claim 16 of Rule lacks identify a financial institution based on cookie. Dao teaches identify user’s financial institution based on cookie [0139-0140]. It would have been obvious to one of ordinary skill in the art, at the time of invention, to have modified the invention recited in claim 16 of Rule to identify financial institution based on cookie as taught by Dao, in order to effectively guides the user to the proper financial institution as Dao suggests [0119].
Claim 2 is taught by claim 18 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 3 is taught by claim 19 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 4 is taught by claim 20 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 5 is taught by claim 10 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 6 is taught by claim 19 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 8 is taught by claim 8 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 9 rejected on the ground of nonstatutory double patenting as being unpatentable over claim 1 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao). Claim 1 of Rule recites limitations of the present claim 9. Claim 1 of Rule lacks identify a financial institution based on cookie. Dao teaches identify user’s financial institution based on cookie [0139-0140]. It would have been obvious to one of ordinary skill in the art, at the time of invention, to have modified the invention recited in claim 1 of Rule to identify financial institution based on cookie as taught by Dao, in order to effectively guides the user to the proper financial institution as Dao suggests [0119].
Claim 10 is taught by claim 13 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 11 is taught by claim 4 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 12 is taught by claim 5 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 13 is taught by claim 10 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 14 is taught by claim 4 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 16 rejected on the ground of nonstatutory double patenting as being unpatentable over claim 11 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao). Claim 11 of Rule recites limitations of the present claim 16. Claim 11 of Rule lacks identify a financial institution based on cookie. Dao teaches identify user’s financial institution based on cookie [0139-0140]. It would have been obvious to one of ordinary skill in the art, at the time of invention, to have modified the invention recited in claim 11 of Rule to identify financial institution based on cookie as taught by Dao, in order to effectively guides the user to the proper financial institution as Dao suggests [0119].
Claim 17 is taught by claim 8 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 18 is taught by claim 15 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Claim 19 is taught by claim 14 of U.S. Patent No. 12524768 (Rule et al.) in view of US 20200327575 A1 (Dao).
Prior Arts
The closest prior art of US 2160026997 A1 (“Tsui”) discloses a method receiving, by a processor of a device from an ecommerce server, a web page including a uniform resource locator (URL), the URL directed to an on-demand application hosted by an application server; downloading, by the processor of the device based on a selection of the URL in a web browser of the device, the on-demand application from the application server; receiving, by the web browser of the device based on the decryption of the encrypted data by the authentication server, payment information associated with the account; and providing, by the web browser of the device, the payment information to a payment processor server associated with the on-demand application to process a transaction. In addition, prior art US 20020032662 A1 (“Maclin”) discloses a method transmitting, by the on-demand application, the encrypted data to an authentication server of the first financial institution; receiving, by the on-demand application from the authentication server, an authentication result specifying the authentication server decrypted the encrypted data.
However, the combination of the prior art neither singly nor in combination does not disclose the specific as incorporating merchant identifier and transaction cart identifier into URL, and generating encrypted data using a master key of contactless card by using contactless card does not seem to be an obvious variation given the context and specific order of limitations in the claims. the limitations were not found in the reasonable number of references, and even if found would not have been an obvious combination to one of ordinary skill in the art at the time of applicant’s effective filing.
Conclusion
The prior art made of record and not relied upon is considered pertinent to applicant's disclosure.
US 11138593 B1: In other arrangements, the cryptogram is a string of encrypted characters generated by the contactless chip 114 with an encryption key stored on the contactless chip 115. In some such arrangements, the cryptogram does not include any payment card information or identifying customer information, but may be decrypted to verify that the cryptogram was generated by the smart card 104 as associated with payment card and/or identifying customer information at a card issuer computing system 108 in the manner discussed below.
US 20020032662 A1: Upon being launched, the customer application sets up a secure link to the credit card server 110 (step 306), the secure link established using information that was obtained during the setup process described with reference to FIG. 2. After the secure link is established, the customer application running on the customer computer 102 sends encrypted variables to the credit card server 110 (step 308). After a processing time, the credit card server 110 returns a credit card number to the customer computer 110 that will be used for the current transaction (step 310). This credit card number arrives in an encrypted form that is then decrypted by the customer application running on the customer computer 102. The customer application then enters the returned credit card number into the credit card field of the e-commerce merchant form (312).
US 20030065643 A1: A method of aggregating product information from a plurality of sources in a networked computer environment regarding products of a product category including the steps of providing a server interconnected to the network computer environment for providing a crawler to visit the plurality of sources and gathering product phrase information from each of the plurality of sources via the crawler, where the crawler utilizes computational linguistics to gather the product phrase information which includes a phrase and at least one characteristic of the phrase. The characteristic of the phrase may be frequency, location, font size, font style, font case, font effects, font color, collocation and co-occurrence of the phrase.
US 20050149512 A1: In one embodiment, multiple different algorithms are displayed for a user to select. The algorithms are configured to display quick links to which a user can navigate. Individual algorithms are employable across different content types. A user can select an individual algorithm and, responsively, the methods and systems can display one or more quick links that are provided by the selected algorithm.
US 20130159195 A1: Once a mobile device is authenticated, the server generates a client device identifier and a secret key, which is then stored on the mobile device. In response to a transaction request sent by the mobile device, the server authorizes a session by generating a random code and communicates the random code to the mobile device. By using a combination of the secret key and the random code, the mobile device generates two keys, a hash code and a symmetrical key. The server receives the hash code and the unique client device identifier, and based upon a determination, authorizes the transaction on the banking server.
US 20150127529 A1: The application linker may manage relationships between application identifiers and payment applications that are provisioned for secure storage on a device. For example, a transaction can be conducted between a portable communication device and an access device. The method includes receiving a request for available payment applications located on the portable communication device from the access device, determining application identifiers associated with payment applications on the device, and sending a list of available payment applications including the application identifiers to the access device. The payment applications store payment information associated with one or more consumer accounts. One of the application identifiers is associated with two or more payment applications.
US 20160026997 A1: The computing device also has a display device configured to display at least one user interface window in response to receiving the request from the server. The user interface window includes a plurality of data entry fields corresponding to the request. The computing device has a proximity based communication circuitry configured to energize an external proximity based card that is brought into proximity with the mobile computing device. When the external proximity based card is energized, the computing device receives information from the external proximity based card to populate at least one of the data entry fields. The communication circuitry is configured to submit data from the data entry fields to the server to facilitate the completion of the information exchange.
US 20210035086 A1: The transaction bridge server generates a URL representing the particular transaction, sends the URL to the merchant server, and receives, from a web browser of a computing device, an indication of an interaction between the computing device and a touchpoint comprising the URL, the indication comprising a request to access the URL. The transaction bridge server generates a display page customized for the user, the display page comprising the transaction information, sends the display page to the web browser of the computing device, receives an acceptance of the particular transaction, and initiates the particular transaction.
Any inquiry concerning this communication or earlier communications from the examiner should be directed to ZESHENG XIAO whose telephone number is (571)272-6627. The examiner can normally be reached 8:30-5 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, Patrick McAtee can be reached on (571) 272-7575. 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.
/Z.X./Examiner, Art Unit 3698
/PATRICK MCATEE/Supervisory Patent Examiner, Art Unit 3698
Prosecution Insights