Last updated: October 01, 2026

Application No. 18/904,520

SYSTEM AND METHODS FOR TRACKING ACCESS TO USER DATA USING A DISTRIBUTED LEDGER AND ARTIFICIAL INTELLIGENCE

Final Rejection

Filed

Oct 02, 2024

Examiner

ZARRINEH, SHAHRIAR

Art Unit

2496

Tech Center

2400 — Computer Networks

Assignee

Bank of America Corporation

OA Round

2 (Final)

Interview Optional

— +6.9% interview lift. Interview lift (+6.9%) is below the 15.0% threshold. A written response is recommended.

Based on 458 resolved cases, 2023–2026

Examiner Intelligence

ZARRINEH, SHAHRIAR View full profile →

Grants 77% — above average

Career Allowance Rate

354 granted / 458 resolved

+19.3% vs TC avg

Moderate +7% lift

Without

With

+6.9%

Interview Lift

resolved cases with interview

Typical timeline

2y 8m

Avg Prosecution

30 currently pending

Career history

507

Total Applications

across all art units

Statute-Specific Performance

§101

9.4%

-30.6% vs TC avg

§103

56.5%

+16.5% vs TC avg

§102

12.7%

-27.3% vs TC avg

§112

15.9%

-24.1% vs TC avg

Black line = Tech Center average estimate • Based on career data from 458 resolved cases

Prosecution Timeline

Oct 02, 2024

Application Filed

Dec 31, 2025

Non-Final Rejection mailed

Mar 27, 2026

Response Filed

Jun 09, 2026

Final Rejection mailed

Sep 15, 2026

Request for Continued Examination

Sep 28, 2026

Response after Non-Final Action

Precedent Cases

Applications granted by this same examiner with similar technology

18/085,695

Patent 12748883

Systems and Methods for Providing Improved Account Management Services

3y 9m to grant Granted Sep 29, 2026

18/524,058

Patent 12739110

METHOD, ELECTRONIC DEVICE, AND COMPUTER PROGRAM PRODUCT FOR IDENTITY AUTHENTICATION

2y 9m to grant Granted Sep 15, 2026

16/097,546

Patent 12732378

IMPLEMENTING LOGIC GATE FUNCTIONALITY USING A BLOCKCHAIN

7y 10m to grant Granted Sep 08, 2026

18/216,517

Patent 12695598

SYSTEMS AND METHODS FOR STORAGE, GENERATION AND VERIFICATION OF TOKENS USED TO CONTROL ACCESS TO A RESOURCE

3y 1m to grant Granted Jul 28, 2026

17/123,245

Patent 12683782

MUTUAL MULTI-FACTOR AUTHENTICATION TECHNOLOGY

5y 7m to grant Granted Jul 14, 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

77%

Grant Probability

84%

With Interview (+6.9%)

2y 8m (~8m remaining)

Median Time to Grant

Moderate

PTA Risk

Based on 458 resolved cases by this examiner. Grant probability derived from career allowance rate.