Last updated: April 24, 2026

Application No. 18/887,143

Untitled Application

Unknown

Filed

3600

Examiner

MALHOTRA, SANJEEV

Art Unit

3691

Tech Center

Truist Bank

Assignee

Truist Bank

OA Round

1 (Non-Final)

Interview Optional

— +30.4% interview lift. This examiner has a relatively high allow rate; a written response may suffice.

Based on 682 resolved cases, 2023–2026

Examiner Intelligence

MALHOTRA, SANJEEV View full profile →

Grants 66% — above average

Career Allow Rate

452 granted / 682 resolved

+6.3% vs TC avg

Strong +30% interview lift

Without

With

+30.4%

Interview Lift

resolved cases with interview

Typical timeline

3y 4m

Avg Prosecution

42 currently pending

Career history

724

Total Applications

across all art units

Statute-Specific Performance

§101

25.4%

-14.6% vs TC avg

§103

44.5%

+4.5% vs TC avg

§102

5.0%

-35.0% vs TC avg

§112

17.3%

-22.7% vs TC avg

Black line = Tech Center average estimate • Based on career data from 682 resolved cases

Prosecution Timeline

3600

Application Filed

Jan 31, 2026

Non-Final Rejection (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/586,971

Patent 12536511

COMPUTER-BASED SYSTEMS AND DEVICE CONFIGURED FOR ELECTRONIC AUTHENTICATION AND VERIFICATION OF DOCUMENTS AND METHODS THEREOF

2y 5m to grant Granted Jan 27, 2026

17/658,624

Patent 12505413

ENHANCED IMAGE TRANSACTION PROCESSING SOLUTION AND ARCHITECTURE

2y 5m to grant Granted Dec 23, 2025

18/443,604

Patent 12450610

INSTANT FUNDS AVAILABLITY RISK ASSESSMENT AND REAL-TIME FRAUD ALERT SYSTEM AND METHOD

2y 5m to grant Granted Oct 21, 2025

17/815,404

Patent 12346909

UNIQUE DEVICE IDENTIFICATION SYSTEM

2y 5m to grant Granted Jul 01, 2025

18/521,151

Patent 12346976

FAULT DETERMINATION OF BLOCKCHAIN SUBROGATION CLAIMS

2y 5m to grant Granted Jul 01, 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

66%

Grant Probability

97%

With Interview (+30.4%)

3y 4m

Median Time to Grant

Low

PTA Risk

Based on 682 resolved cases by this examiner. Grant probability derived from career allow rate.