Last updated: May 29, 2026

Application No. 18/234,541

INTEGRATED SYSTEM AND METHOD FOR TRACKING AND MANAGING FINANCIAL AND INSURANCE CLIENTS AND ASSOCIATED DATA AND GENERATING FINANCIAL PROPOSALS

Final Rejection

Filed

Aug 16, 2023

Examiner

PINSKY, DOUGLAS W

Art Unit

3626

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

BHIP, LLC

OA Round

2 (Final)

This examiner grants 26% of cases after interview

— +17.9% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 117 resolved cases, 2023–2026

Examiner Intelligence

PINSKY, DOUGLAS W View full profile →

Grants only 26% of cases

Career Allowance Rate

30 granted / 117 resolved

-26.4% vs TC avg

Strong +18% interview lift

Without

With

+17.9%

Interview Lift

resolved cases with interview

Typical timeline

3y 3m

Avg Prosecution

19 currently pending

Career history

151

Total Applications

across all art units

Statute-Specific Performance

§101

7.7%

-32.3% vs TC avg

§103

74.7%

+34.7% vs TC avg

§102

13.7%

-26.3% vs TC avg

§112

2.8%

-37.2% vs TC avg

Black line = Tech Center average estimate • Based on career data from 117 resolved cases

Prosecution Timeline

Aug 16, 2023

Application Filed

Mar 27, 2025

Non-Final Rejection mailed

Jul 25, 2025

Response Filed

Sep 11, 2025

Final Rejection mailed

May 02, 2026

Response after Non-Final Action

Precedent Cases

Applications granted by this same examiner with similar technology

18/192,761

Patent 12481976

ENCODED TRANSFER INSTRUMENTS

2y 8m to grant Granted Nov 25, 2025

17/058,061

Patent 12450588

METHOD FOR PROCESSING A SECURE FINANCIAL TRANSACTION USING A COMMERCIAL OFF-THE-SHELF OR AN INTERNET OF THINGS DEVICE

4y 11m to grant Granted Oct 21, 2025

17/475,130

Patent 12450591

SYSTEMS AND METHODS FOR CONTACTLESS CARD ACTIVATION VIA UNIQUE ACTIVATION CODES

4y 1m to grant Granted Oct 21, 2025

17/823,826

Patent 12406309

Auto Filing of Insurance Claim Via Connected Car

3y 0m to grant Granted Sep 02, 2025

18/152,284

Patent 12254516

NETWORK-BASED JOINT INVESTMENT PLATFORM

2y 2m to grant Granted Mar 18, 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

3-4

Expected OA Rounds

26%

Grant Probability

44%

With Interview (+17.9%)

3y 3m (~6m remaining)

Median Time to Grant

Moderate

PTA Risk

Based on 117 resolved cases by this examiner. Grant probability derived from career allowance rate.