Last updated: May 29, 2026

Application No. 18/630,468

FRAUD ANALYSIS USING MACHINE LEARNING AND GENERATIVE ARTIFICIAL INTELLIGENCE

Final Rejection

Filed

Apr 09, 2024

Examiner

BUNKER, WILLIAM B

Art Unit

3691

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

Actimize Ltd.

OA Round

2 (Final)

Interview Optional

— +94.7% interview lift. Examiner has a relatively high allowance rate (80%); +94.7% interview lift. A written response may suffice.

Based on 226 resolved cases, 2023–2026

Examiner Intelligence

BUNKER, WILLIAM B View full profile →

Grants 80% — above average

Career Allowance Rate

180 granted / 226 resolved

+27.6% vs TC avg

Strong +95% interview lift

Without

With

+94.7%

Interview Lift

resolved cases with interview

Typical timeline

2y 9m

Avg Prosecution

16 currently pending

Career history

241

Total Applications

across all art units

Statute-Specific Performance

§101

8.7%

-31.3% vs TC avg

§103

86.3%

+46.3% vs TC avg

§102

4.6%

-35.4% vs TC avg

§112

0.4%

-39.6% vs TC avg

Black line = Tech Center average estimate • Based on career data from 226 resolved cases

Prosecution Timeline

Apr 09, 2024

Application Filed

Jul 30, 2025

Non-Final Rejection mailed

Jan 05, 2026

Response Filed

Feb 20, 2026

Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

17/812,110

Patent 12632901

Stock exchange trading platform

3y 10m to grant Granted May 19, 2026

18/431,076

Patent 12614181

System, Method, and Computer Program Product for Interpreting Black Box Models by Perturbing Transaction Parameters

2y 2m to grant Granted Apr 28, 2026

17/063,522

Patent 12598178

BIOMETRIC DATA SUB-SAMPLING DURING DECENTRALIZED BIOMETRIC AUTHENTICATION

5y 6m to grant Granted Apr 07, 2026

18/244,266

Patent 12591893

Techniques For Expediting Processing Of Blockchain Transactions

2y 6m to grant Granted Mar 31, 2026

18/497,299

Patent 12572902

SYSTEMS AND METHODS FOR LEAST COST ACQUIRER ROUTING FOR PRICING MODELS

2y 4m to grant Granted Mar 10, 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

80%

Grant Probability

99%

With Interview (+94.7%)

2y 9m (~7m remaining)

Median Time to Grant

Moderate

PTA Risk

Based on 226 resolved cases by this examiner. Grant probability derived from career allowance rate.