Last updated: August 18, 2026

Application No. 18/764,805

SYSTEM AND METHOD FOR AUTOMATICALLY DETECTING DIGITAL ACCOUNT TAKEOVER TRANSACTION IN DIGITAL TRANSACTIONS

Non-Final OA

Filed

Jul 05, 2024

Priority

Jul 07, 2023 — provisional 63/512,535

Examiner

BUNKER, WILLIAM B

Art Unit

3691

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

The Toronto-dominion Bank

OA Round

3 (Non-Final)

Interview Optional

— +94.8% interview lift. Examiner has a relatively high allowance rate (80%); +94.8% interview lift. A written response may suffice.

Based on 228 resolved cases, 2023–2026

Examiner Intelligence

BUNKER, WILLIAM B View full profile →

Grants 80% — above average

Career Allowance Rate

182 granted / 228 resolved

+27.8% vs TC avg

Strong +95% interview lift

Without

With

+94.8%

Interview Lift

resolved cases with interview

Typical timeline

2y 9m

Avg Prosecution

23 currently pending

Career history

253

Total Applications

across all art units

Statute-Specific Performance

§101

40.7%

+0.7% vs TC avg

§103

49.2%

+9.2% vs TC avg

§102

3.9%

-36.1% vs TC avg

§112

3.3%

-36.7% vs TC avg

Black line = Tech Center average estimate • Based on career data from 228 resolved cases

Prosecution Timeline

Show 1 earlier event

Oct 17, 2025

Non-Final Rejection mailed

Jan 08, 2026

Response Filed

Feb 20, 2026

Final Rejection mailed

Apr 06, 2026

Response after Non-Final Action

May 01, 2026

Request for Continued Examination

May 06, 2026

Response after Non-Final Action

May 26, 2026

Non-Final Rejection mailed

Jul 16, 2026

Interview Requested

Precedent Cases

Applications granted by this same examiner with similar technology

17/742,744

Patent 12688507

System and Method For Self-Service Returns

4y 2m to grant Granted Jul 21, 2026

18/747,438

Patent 12664557

SYSTEMS AND METHODS FOR PROVIDING NOTIFICATIONS TO DEVICES

2y 0m to grant Granted Jun 23, 2026

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

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 (+94.8%)

2y 9m (~7m remaining)

Median Time to Grant

High

PTA Risk

Based on 228 resolved cases by this examiner. Grant probability derived from career allowance rate.