Last updated: July 12, 2026

Application No. 18/806,158

Untitled Application

Unknown

Filed

3600

Examiner

PATEL, AMIT HEMANTKUMAR

Art Unit

3696

Tech Center

Capital One Services, LLC

Assignee

Capital One Services LLC

OA Round

3 (Non-Final)

Interview Optional

— +5.2% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 56% grant rate with +5.2% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 230 resolved cases, 2023–2026

Examiner Intelligence

PATEL, AMIT HEMANTKUMAR View full profile →

Grants 56% of resolved cases

Career Allowance Rate

128 granted / 230 resolved

-4.3% vs TC avg

Moderate +5% lift

Without

With

+5.2%

Interview Lift

resolved cases with interview

Typical timeline

2y 7m

Avg Prosecution

22 currently pending

Career history

272

Total Applications

across all art units

Statute-Specific Performance

§101

59.6%

+19.6% vs TC avg

§103

25.5%

-14.5% vs TC avg

§102

9.8%

-30.2% vs TC avg

§112

0.5%

-39.5% vs TC avg

Black line = Tech Center average estimate • Based on career data from 230 resolved cases

Prosecution Timeline

Show 5 earlier events

Nov 05, 2025

Response Filed

Jan 05, 2026

Final Rejection mailed

Feb 25, 2026

Applicant Interview (Telephonic)

Feb 25, 2026

Examiner Interview Summary

Feb 26, 2026

Response after Non-Final Action

Apr 24, 2026

Request for Continued Examination

Apr 29, 2026

Response after Non-Final Action

May 19, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/317,255

Patent 12646038

REAL-TIME PAYMENT SYSTEM, METHOD, APPARATUS, AND COMPUTER PROGRAM

3y 0m to grant Granted Jun 02, 2026

18/821,488

Patent 12639715

AUGMENTED REALITY DEVICE FOR PERFORMING PAYMENT BY USING GAZE INFORMATION OF USER, AND METHOD OPERATED BY THE AUGMENTED REALITY DEVICE

1y 8m to grant Granted May 26, 2026

18/392,731

Patent 12620022

DIGITAL BANKER APPLICATION SYSTEM

2y 4m to grant Granted May 05, 2026

19/002,642

Patent 12619979

IDENTITY INFORMATION CONTROLLED FINANCIAL ACCOUNT DEVICE

1y 4m to grant Granted May 05, 2026

18/119,554

Patent 12614157

METHOD AND SYSTEM FOR PROVIDING HOSTED PORTALS

3y 1m to grant Granted Apr 28, 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

56%

Grant Probability

61%

With Interview (+5.2%)

2y 7m

Median Time to Grant

High

PTA Risk

Based on 230 resolved cases by this examiner. Grant probability derived from career allowance rate.