Last updated: May 29, 2026

Application No. 18/752,310

GENERATING A FRAUD PREDICTION UTILIZING A FRAUD-PREDICTION MACHINE-LEARNING MODEL

Non-Final OA

Filed

Jun 24, 2024

Priority

Dec 08, 2021 — continuation of 12/020,257

Examiner

COBB, MATTHEW

Art Unit

3661

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

Chime Financial Inc.

OA Round

1 (Non-Final)

Interview Optional

— +35.4% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 72% grant rate with +35.4% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 203 resolved cases, 2023–2026

Examiner Intelligence

COBB, MATTHEW View full profile →

Grants 72% — above average

Career Allowance Rate

146 granted / 203 resolved

+19.9% vs TC avg

Strong +35% interview lift

Without

With

+35.4%

Interview Lift

resolved cases with interview

Typical timeline

2y 6m

Avg Prosecution

16 currently pending

Career history

233

Total Applications

across all art units

Statute-Specific Performance

§101

12.6%

-27.4% vs TC avg

§103

78.5%

+38.5% vs TC avg

§102

6.4%

-33.6% vs TC avg

§112

1.7%

-38.3% vs TC avg

Black line = Tech Center average estimate • Based on career data from 203 resolved cases

Prosecution Timeline

Jun 24, 2024

Application Filed

Jan 15, 2025

Response after Non-Final Action

Nov 12, 2025

Non-Final Rejection mailed

Dec 16, 2025

Interview Requested

Jan 20, 2026

Examiner Interview Summary

Jan 20, 2026

Applicant Interview (Telephonic)

Apr 13, 2026

Response Filed

Precedent Cases

Applications granted by this same examiner with similar technology

18/310,659

Patent 12617528

APPARATUS CONNECTION METHOD AND DEVICE, HARDWARE APPARATUS, AND COMPUTER-READABLE STORAGE MEDIUM

3y 0m to grant Granted May 05, 2026

18/582,872

Patent 12606384

ARTICLE TRANSPORT VEHICLE CONTROL SYSTEM

2y 2m to grant Granted Apr 21, 2026

18/237,029

Patent 12602728

CONNECTED HOME SYSTEM WITH RISK UNITS

2y 7m to grant Granted Apr 14, 2026

18/752,167

Patent 12597010

Machine Learning Model for Combining Device Presence Data with Physical Venue Transaction Data

1y 9m to grant Granted Apr 07, 2026

18/384,566

Patent 12586073

Controlling Transactions on a Network

2y 4m to grant Granted Mar 24, 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

1-2

Expected OA Rounds

72%

Grant Probability

99%

With Interview (+35.4%)

2y 6m (~7m remaining)

Median Time to Grant

Low

PTA Risk

Based on 203 resolved cases by this examiner. Grant probability derived from career allowance rate.