Last updated: August 17, 2026

Application No. 18/529,722

SYSTEMS AND METHODS FOR MOBILE WALLET PAYMENTS

Final Rejection

Filed

Dec 05, 2023

Priority

Aug 31, 2017 — provisional 62/552,506 +2 more

Examiner

PROIOS, GEORGE N

Art Unit

3694

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

JPMorgan Chase Bank, N.A.

OA Round

4 (Final)

Interview Optional

— +35.3% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 54% grant rate with +35.3% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 183 resolved cases, 2023–2026

Examiner Intelligence

PROIOS, GEORGE N View full profile →

Grants 54% of resolved cases

Career Allowance Rate

99 granted / 183 resolved

+2.1% vs TC avg

Strong +35% interview lift

Without

With

+35.3%

Interview Lift

resolved cases with interview

Typical timeline

2y 9m

Avg Prosecution

9 currently pending

Career history

204

Total Applications

across all art units

Statute-Specific Performance

§101

14.0%

-26.0% vs TC avg

§103

51.2%

+11.2% vs TC avg

§102

12.3%

-27.7% vs TC avg

§112

19.7%

-20.3% vs TC avg

Black line = Tech Center average estimate • Based on career data from 183 resolved cases

Prosecution Timeline

Show 5 earlier events

Oct 31, 2025

Request for Continued Examination

Nov 08, 2025

Response after Non-Final Action

Nov 25, 2025

Non-Final Rejection mailed

Feb 02, 2026

Interview Requested

Feb 09, 2026

Examiner Interview Summary

Feb 09, 2026

Applicant Interview (Telephonic)

Feb 10, 2026

Response Filed

Mar 26, 2026

Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/287,780

Patent 12646113

Method and System for Trading Assets and Their Carbon Footprint Status

2y 7m to grant Granted Jun 02, 2026

18/480,468

Patent 12619960

OPTIMIZING LEDGER USAGE AND LIQUIDATION OPERATIONS THEREON

2y 7m to grant Granted May 05, 2026

17/751,370

Patent 12614159

Systems And Methods For Decreasing Counterparty Settlement Risk

3y 11m to grant Granted Apr 28, 2026

18/515,776

Patent 12602692

Systems And Methods For Decreasing Counterparty Settlement Risk

2y 4m to grant Granted Apr 14, 2026

18/053,303

Patent 12579410

TECHNIQUES FOR DATA PROCESSING PREDICTIONS

3y 4m to grant Granted Mar 17, 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

5-6

Expected OA Rounds

54%

Grant Probability

89%

With Interview (+35.3%)

2y 9m (~0m remaining)

Median Time to Grant

High

PTA Risk

Based on 183 resolved cases by this examiner. Grant probability derived from career allowance rate.