Cloud Gateway plays as connectivity between the cloud providers and customers in the cloud computing environment. cloud gateway is physical connectivity between cloud providers and users. There is no connection to payment gateways as you mentioned in the office action. Basically, Cloud gateway is a connection or bridge. By using different features of cloud brains like migrations, compute, chargeback, automation, optimization one can use multiple clouds on a single platform. And this can happen with the help of "Cloud Gateway". So, no concern with Payment gateway and it work differently, and it does not function as you mentioned in the office action