Case: 23-1920 Document: 47 Page: 1 Filed: 01/30/2025

NOTE: This disposition is nonprecedential.

United States Court of Appeals for the Federal Circuit ______________________

UNITED SERVICES AUTOMOBILE ASSOCIATION, Appellant

v.

PNC BANK N.A., Appellee ______________________

2023-1920 ______________________

Appeal from the United States Patent and Trademark Office, Patent Trial and Appeal Board in No. IPR2021- 01077. ______________________

Decided: January 30, 2025 ______________________

DAVID ZIMMER, Goodwin Procter LLP, Boston, MA, ar- gued for appellant. Also represented by WILLIAM M. JAY, ROHINIYURIE TASHIMA, Washington, DC; LISA GLASSER, STEPHEN PAYNE, ANTHONY ROWLES, Irell & Manella LLP, Newport Beach, CA; JASON SHEASBY, Los Angeles, CA.

ANDREW J. DANFORD, Wilmer Cutler Pickering Hale and Dorr LLP, Boston, MA, argued for appellee. Also rep- resented by MARK CHRISTOPHER FLEMING, MONICA Case: 23-1920 Document: 47 Page: 2 Filed: 01/30/2025

2 UNITED SERVICES AUTOMOBILE ASSOCIATION v. PNC BANK N.A.

GREWAL; DAVID LANGDON CAVANAUGH, RONALD GREGORY ISRAELSEN, GREGORY H. LANTIER, Washington, DC. ______________________

Before DYK, PROST, and CUNNINGHAM, Circuit Judges. PROST, Circuit Judge. United Services Automobile Association (“USAA”) ap- peals a final written decision of the Patent Trial and Ap- peal Board (“Board”) in an inter partes review determining that all challenged claims of U.S. Patent No. 10,621,559 (“the ’559 patent”) are unpatentable. PNC Bank, N.A. v. United Servs. Auto. Ass’n, No. IPR2021-01077, 2023 WL 1077305 (P.T.A.B. Jan. 20, 2023) (“Final Written Deci- sion”). We affirm. BACKGROUND The ’559 patent describes a remote check deposit sys- tem and contemplates “a system, method and computer- readable medium with computer-executable instructions for remotely redeeming a negotiable instrument.” ’559 pa- tent col. 2 ll. 35–38. In its final written decision, the Board determined that the challenged claims (i.e., claims 1–18) of the ’559 patent are unpatentable as obvious over seven prior-art refer- ences. Final Written Decision, 2023 WL 1077305, at *34. USAA timely appealed, and we have jurisdiction under 28 U.S.C. § 1295(a)(4)(A). DISCUSSION USAA makes two arguments on appeal: (1) a skilled ar- tisan would not have been motivated to combine prior-art Case: 23-1920 Document: 47 Page: 3 Filed: 01/30/2025

UNITED SERVICES AUTOMOBILE ASSOCIATION v. PNC BANK N.A. 3

references Garcia 1 and Randle 2 with a reasonable expecta- tion of success, and (2) the Board erred in its construction of the “accepting” limitation in claims 1 and 10 of the ’559 patent. We reject both arguments. “We review the Board’s factual findings for substantial evidence and its legal conclusions without deference.” Ken- nametal, Inc. v. Ingersoll Cutting Tool Co., 780 F.3d 1376, 1381 (Fed. Cir. 2015) (cleaned up). “The Board’s ultimate claim constructions and any underlying determinations based on intrinsic evidence . . . present a question of law that we review de novo.” Polaris Innovations Ltd. v. Brent, 48 F.4th 1365, 1372 (Fed. Cir. 2022). Here, substantial evidence supports the Board’s deter- minations that a skilled artisan would have been moti- vated to combine Garcia and Randle with a reasonable expectation of success. In its analysis, the Board found that “Garcia describes a method for remotely depositing a check using a mobile device.” Final Written Decision, 2023 WL 1077305, at *11. The Board then found that “Garcia suggests implementing its invention using computer equip- ment at a bank that can [apply optical character recogni- tion] and store a check image as well as the bank’s traditional systems for processing checks, and Randle dis- closes such a system.” Id. at *12. The Board found that “an ordinarily skilled artisan would have had a reasonable expectation of success in making the proposed Garcia- Randle combination,” id., and substantial evidence sup- ports the Board’s findings. Next, we consider USAA’s argument that the Board misconstrued the claim term “accepting” in claims 1 and 10

1 PCT App. No. WO 2005/043857 (“Garcia”), J.A. 1352–97. 2 U.S. Patent App. Pub. No. 2006/0106717 (“Randle”), J.A. 1398–1422. Case: 23-1920 Document: 47 Page: 4 Filed: 01/30/2025

4 UNITED SERVICES AUTOMOBILE ASSOCIATION v. PNC BANK N.A.

of the ’559 patent. The parties dispute the claim construc- tion, yet, the Board found in the alternative that even “as- sum[ing] [USAA]’s understanding of the requirements of this limitation,” “the Garcia-Randle combination teaches . . . a second processing circuitry and second memory that ‘accept[s] the digital image for check deposit in place of the check depicted in the digital image.’” Id. at *18. That find- ing is supported by substantial evidence. CONCLUSION We have considered USAA’s remaining arguments and find them unpersuasive. For the foregoing reasons, we af- firm the Board’s determination that all challenged claims of the ’559 patent are unpatentable. AFFIRMED