Last updated: July 12, 2026

Application No. 18/903,883

Untitled Application

Unknown

Filed

3600

Examiner

RANKINS, WILLIAM E

Art Unit

3694

Tech Center

Wells Fargo Bank, N.A.

Assignee

Wells Fargo Bank, N.A.

OA Round

2 (Non-Final)

Interview Optional

— +8.4% interview lift. Interview lift (+8.4%) is below the 15.0% threshold. A written response is recommended.

Based on 789 resolved cases, 2023–2026

Examiner Intelligence

RANKINS, WILLIAM E View full profile →

Grants 58% of resolved cases

Career Allowance Rate

456 granted / 789 resolved

-2.2% vs TC avg

Moderate +8% lift

Without

With

+8.4%

Interview Lift

resolved cases with interview

Typical timeline

3y 3m

Avg Prosecution

31 currently pending

Career history

828

Total Applications

across all art units

Statute-Specific Performance

§101

26.0%

-14.0% vs TC avg

§103

44.4%

+4.4% vs TC avg

§102

3.6%

-36.4% vs TC avg

§112

22.9%

-17.1% vs TC avg

Black line = Tech Center average estimate • Based on career data from 789 resolved cases

Prosecution Timeline

3600

Application Filed

Jan 20, 2026

Non-Final Rejection mailed

Apr 15, 2026

Response Filed

May 04, 2026

Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/602,512

Patent 12639678

METHOD OF PROCESSING DIGITAL CHECKS

2y 2m to grant Granted May 26, 2026

18/048,585

Patent 12620020

APPLYING PROVISIONAL RESOURCE UTILIZATION THRESHOLDS

3y 6m to grant Granted May 05, 2026

18/643,856

Patent 12620035

DISTRIBUTED LEDGER SYSTEM FOR MANAGING LOSS HISTORIES FOR PROPERTIES

2y 0m to grant Granted May 05, 2026

18/367,402

Patent 12614160

DISTRIBUTION UTILITY

2y 7m to grant Granted Apr 28, 2026

18/605,940

Patent 12608730

SENDING FUNDS VIA AN EMAIL PAYMENT GATEWAY

2y 1m to grant Granted Apr 21, 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

2-3

Expected OA Rounds

58%

Grant Probability

66%

With Interview (+8.4%)

3y 3m

Median Time to Grant

Moderate

PTA Risk

Based on 789 resolved cases by this examiner. Grant probability derived from career allowance rate.