Last updated: April 24, 2026

Application No. 18/803,134

Untitled Application

Unknown

Filed

3600

Examiner

YONO, RAVEN E

Art Unit

3694

Tech Center

BANK OF AMERICA CORPORATION

Assignee

BANK OF AMERICA CORPORATION

OA Round

2 (Non-Final)

This examiner grants 39% of cases after interview

— +32.5% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 175 resolved cases, 2023–2026

Examiner Intelligence

YONO, RAVEN E View full profile →

Grants only 39% of cases

Career Allow Rate

69 granted / 175 resolved

-20.6% vs TC avg

Strong +32% interview lift

Without

With

+32.5%

Interview Lift

resolved cases with interview

Typical timeline

2y 6m

Avg Prosecution

34 currently pending

Career history

209

Total Applications

across all art units

Statute-Specific Performance

§101

40.5%

+0.5% vs TC avg

§103

31.3%

-8.7% vs TC avg

§102

3.0%

-37.0% vs TC avg

§112

19.8%

-20.2% vs TC avg

Black line = Tech Center average estimate • Based on career data from 175 resolved cases

Prosecution Timeline

3600

Application Filed

Oct 01, 2025

Non-Final Rejection

Dec 30, 2025

Response Filed

Jan 16, 2026

Final Rejection (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/060,337

Patent 12548022

SYSTEMS AND METHODS FOR EXECUTING REAL-TIME ELECTRONIC TRANSACTIONS USING API CALLS

2y 5m to grant Granted Feb 10, 2026

18/797,899

Patent 12518276

SYSTEMS AND METHODS FOR SECURE TRANSACTION REVERSAL

2y 5m to grant Granted Jan 06, 2026

18/569,857

Patent 12511637

METHOD, APPARATUS, AND DEVICE FOR ACCESSING AGGREGATION CODE PAYMENT PAGE, AND MEDIUM

2y 5m to grant Granted Dec 30, 2025

18/203,014

Patent 12489647

SECURELY PROCESSING A CONTINGENT ACTION TOKEN

2y 5m to grant Granted Dec 02, 2025

18/107,433

Patent 12481992

AUTHENTICATING A TRANSACTION

2y 5m to grant Granted Nov 25, 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

2-3

Expected OA Rounds

39%

Grant Probability

72%

With Interview (+32.5%)

2y 6m

Median Time to Grant

Moderate

PTA Risk

Based on 175 resolved cases by this examiner. Grant probability derived from career allow rate.