Last updated: April 24, 2026

Application No. 18/896,066

Untitled Application

Unknown

Filed

3600

Examiner

SHRESTHA, BIJENDRA K

Art Unit

3691

Tech Center

Visa International Service Association

Assignee

VISA INTERNATIONAL SERVICE ASSOCIATION

OA Round

1 (Non-Final)

This examiner grants 61% of cases after interview

— +41.0% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 614 resolved cases, 2023–2026

Examiner Intelligence

SHRESTHA, BIJENDRA K View full profile →

Grants 61% of resolved cases

Career Allow Rate

372 granted / 614 resolved

+0.6% vs TC avg

Strong +41% interview lift

Without

With

+41.0%

Interview Lift

resolved cases with interview

Typical timeline

3y 1m

Avg Prosecution

22 currently pending

Career history

636

Total Applications

across all art units

Statute-Specific Performance

§101

31.9%

-8.1% vs TC avg

§103

33.2%

-6.8% vs TC avg

§102

8.4%

-31.6% vs TC avg

§112

14.8%

-25.2% vs TC avg

Black line = Tech Center average estimate • Based on career data from 614 resolved cases

Prosecution Timeline

3600

Application Filed

Feb 16, 2026

Non-Final Rejection (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/925,389

Patent 12586133

SYSTEM AND METHOD FOR COMPUTATIONAL PREDICTION AND RECOMMENDATION OF REAL-WORLD ENTITIES AND THEIR VALUE ASSERTION

2y 5m to grant Granted Mar 24, 2026

18/678,280

Patent 12579577

System and Method for Offering Structured Defined Outcome Investing in an Exchange-Traded Fund

2y 5m to grant Granted Mar 17, 2026

18/544,863

Patent 12572980

PRIVATE COMPANY SECURITIES CLEARING AND SETTLEMENT PLATFORM

2y 5m to grant Granted Mar 10, 2026

18/792,701

Patent 12572910

INTEGRATED BANKING APPARATUS USING FINTECH

2y 5m to grant Granted Mar 10, 2026

18/776,373

Patent 12567114

REVERSE CONVERTIBLE FINANCIAL INSTRUMENT

2y 5m to grant Granted Mar 03, 2026

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

61%

Grant Probability

99%

With Interview (+41.0%)

3y 1m

Median Time to Grant

Low

PTA Risk

Based on 614 resolved cases by this examiner. Grant probability derived from career allow rate.