Last updated: April 24, 2026

Application No. 18/787,176

Untitled Application

Unknown

Filed

3600

Examiner

CHAKRAVARTI, ARUNAVA

Art Unit

3692

Tech Center

THE PNC FINANCIAL SERVICES GROUP, INC.

Assignee

The PNC Financial Services Group, Inc.

OA Round

1 (Non-Final)

Interview Optional

— +13.1% interview lift. This examiner has a relatively high allow rate; a written response may suffice.

Based on 409 resolved cases, 2023–2026

Examiner Intelligence

CHAKRAVARTI, ARUNAVA View full profile →

Grants only 9% of cases

Career Allow Rate

38 granted / 409 resolved

-50.7% vs TC avg

Moderate +13% lift

Without

With

+13.1%

Interview Lift

resolved cases with interview

Typical timeline

4y 2m

Avg Prosecution

39 currently pending

Career history

448

Total Applications

across all art units

Statute-Specific Performance

§101

44.8%

+4.8% vs TC avg

§103

41.6%

+1.6% vs TC avg

§102

0.8%

-39.2% vs TC avg

§112

10.6%

-29.4% vs TC avg

Black line = Tech Center average estimate • Based on career data from 409 resolved cases

Prosecution Timeline

3600

Application Filed

Jan 15, 2026

Non-Final Rejection (current)

Precedent Cases

Applications granted by this same examiner with similar technology

14/680,391

Patent 12561676

SYSTEMS AND METHODS FOR IMPROVING DATA PROCESSING AND MANAGEMENT

2y 5m to grant Granted Feb 24, 2026

18/391,310

Patent 12541747

METHOD AND APPARATUS FOR CONDUCTING SECURE FINANCIAL AND INFORMATIONAL TRANSACTIONS VIA PORTABLE SMART DEVICES

2y 5m to grant Granted Feb 03, 2026

18/439,460

Patent 12536549

TRANSACTION CARDS AND COMPUTER-BASED SYSTEMS THAT PROVIDE FRAUD DETECTION AT POS DEVICES BASED ON ANALYSIS OF FEATURE SETS AND METHODS OF USE THEREOF

2y 5m to grant Granted Jan 27, 2026

17/095,024

Patent 12518270

METHOD AND SYSTEM FOR COMPLETING A DATA TRANSFER

2y 5m to grant Granted Jan 06, 2026

17/983,895

Patent 12314932

HANDOFF BETWEEN APPLICATIONS ON A PAYMENT TERMINAL

2y 5m to grant Granted May 27, 2025

Study what changed to get past this examiner. Based on 5 most recent grants.

AI Strategy Recommendation

Get an AI-powered prosecution strategy using examiner precedents, rejection analysis, and claim mapping.

Prosecution Projections

1-2

Expected OA Rounds

Grant Probability

22%

With Interview (+13.1%)

4y 2m

Median Time to Grant

Low

PTA Risk

Based on 409 resolved cases by this examiner. Grant probability derived from career allow rate.