Last updated: July 07, 2026

Application No. 18/215,274

Untitled Application

Unknown

Filed

3600

Examiner

WEISBERGER, RICHARD C

Art Unit

3693

Tech Center

Bank of America Corporation

Assignee

Bank of America Corporation

OA Round

1 (Non-Final)

Interview Optional

— -4.2% interview lift. Interview lift (-4.2%) is below the 15.0% threshold. A written response is recommended.

Based on 364 resolved cases, 2023–2026

Examiner Intelligence

WEISBERGER, RICHARD C View full profile →

Grants 48% of resolved cases

Career Allowance Rate

173 granted / 364 resolved

-12.5% vs TC avg

Minimal -4% lift

Without

With

+-4.2%

Interview Lift

resolved cases with interview

Typical timeline

4y 4m

Avg Prosecution

19 currently pending

Career history

397

Total Applications

across all art units

Statute-Specific Performance

§101

28.0%

-12.0% vs TC avg

§103

36.3%

-3.7% vs TC avg

§102

4.7%

-35.3% vs TC avg

§112

21.2%

-18.8% vs TC avg

Black line = Tech Center average estimate • Based on career data from 364 resolved cases

Prosecution Timeline

3600

Application Filed

Feb 20, 2024

Response after Non-Final Action

Jul 02, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/068,296

Patent 12586048

SYSTEMS AND METHODS FOR REAL-TIME ACCOUNT ACCESS

3y 3m to grant Granted Mar 24, 2026

18/238,765

Patent 12548080

BLOCKCHAIN SUBROGATION PAYMENTS

2y 5m to grant Granted Feb 10, 2026

18/065,725

Patent 12530719

SYSTEM AND METHOD FOR OPTIMIZING ORDER PLACEMENT IN AN ORDER QUEUE IN AN ELECTRONIC TRADING ENVIRONMENT

3y 1m to grant Granted Jan 20, 2026

18/111,034

Patent 12524806

INTEREST RATE SWAP COMPRESSION MATCH ENGINE

2y 11m to grant Granted Jan 13, 2026

18/052,560

Patent 12511651

TOKENIZATION REQUEST HANDLING AT A THROTTLED RATE IN A PAYMENT NETWORK

3y 1m to grant Granted Dec 30, 2025

Study what changed to get past this examiner. Based on 5 most recent grants.

Strategy Recommendation AI-generated — please review before filing

Get a prosecution strategy drawn from examiner precedents, rejection analysis, and claim mapping.

Typically takes 5-10 seconds — AI-generated, attorney review required before filing

Prosecution Projections

1-2

Expected OA Rounds

48%

Grant Probability

43%

With Interview (-4.2%)

4y 4m

Median Time to Grant

Low

PTA Risk

Based on 364 resolved cases by this examiner. Grant probability derived from career allowance rate.