Last updated: October 26, 2026

Application No. 18/427,766

SYSTEMS AND METHODS FOR PROCESSING CARDLESS TRANSACTIONS

Final Rejection

Filed

Jan 30, 2024

Priority

Jan 13, 2014 — continuation of 14/154,111 +1 more

Examiner

ALLADIN, AMBREEN A

Art Unit

3691

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

Fidelity Information Services LLC

OA Round

2 (Final)

This examiner grants 25% of cases after interview

— +24.4% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 346 resolved cases, 2023–2026

Examiner Intelligence

ALLADIN, AMBREEN A View full profile →

Grants only 25% of cases

Career Allowance Rate

85 granted / 346 resolved

-27.4% vs TC avg

Strong +24% interview lift

Without

With

+24.4%

Interview Lift

resolved cases with interview

Typical timeline

3y 7m

Avg Prosecution

25 currently pending

Career history

380

Total Applications

across all art units

Statute-Specific Performance

§101

37.0%

-3.0% vs TC avg

§103

29.7%

-10.3% vs TC avg

§102

3.1%

-36.9% vs TC avg

§112

26.2%

-13.8% vs TC avg

Black line = Tech Center average estimate • Based on career data from 346 resolved cases

Prosecution Timeline

Jan 30, 2024

Application Filed

Apr 13, 2026

Non-Final Rejection mailed

Aug 12, 2026

Response Filed

Oct 01, 2026

Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/926,328

Patent 12770476

MONEY HANDLING SYSTEM

1y 12m to grant Granted Oct 20, 2026

17/762,652

Patent 12725188

SEAMLESS INTERACTION PROCESSING WITH DATA SECURITY

4y 5m to grant Granted Sep 01, 2026

18/740,758

Patent 12705593

MOBILITY TELLER SYSTEM AND METHOD AND QR CODE TRANSACTION ACTIVATION

2y 2m to grant Granted Aug 11, 2026

18/911,714

Patent 12694447

Dynamic Market Order Execution Validation Mechanism

1y 9m to grant Granted Jul 28, 2026

18/311,366

Patent 12646114

Manipulating Trading Tools

3y 1m to grant Granted Jun 02, 2026

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

25%

Grant Probability

49%

With Interview (+24.4%)

3y 7m (~10m remaining)

Median Time to Grant

Moderate

PTA Risk

Based on 346 resolved cases by this examiner. Grant probability derived from career allowance rate.