Last updated: April 24, 2026

Application No. 18/907,973

Untitled Application

Unknown

Filed

3600

Examiner

EBERSMAN, BRUCE I

Art Unit

3693

Tech Center

Wells Fargo Bank, N.A.

Assignee

Wells Fargo Bank N A

OA Round

2 (Non-Final)

Interview Optional

— +57.8% interview lift. This examiner has a relatively high allow rate; a written response may suffice.

Based on 554 resolved cases, 2023–2026

Examiner Intelligence

EBERSMAN, BRUCE I View full profile →

Grants 64% of resolved cases

Career Allow Rate

355 granted / 554 resolved

+4.1% vs TC avg

Strong +58% interview lift

Without

With

+57.8%

Interview Lift

resolved cases with interview

Typical timeline

4y 1m

Avg Prosecution

46 currently pending

Career history

600

Total Applications

across all art units

Statute-Specific Performance

§101

26.4%

-13.6% vs TC avg

§103

46.5%

+6.5% vs TC avg

§102

8.1%

-31.9% vs TC avg

§112

13.5%

-26.5% vs TC avg

Black line = Tech Center average estimate • Based on career data from 554 resolved cases

Prosecution Timeline

3600

Application Filed

Jan 14, 2026

Non-Final Rejection

Jan 21, 2026

Interview Requested

Feb 02, 2026

Examiner Interview Summary

Feb 02, 2026

Applicant Interview (Telephonic)

Feb 20, 2026

Response Filed

Mar 25, 2026

Final Rejection (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/143,099

Patent 12567064

AUTHORIZATION PREPROCESSING SYSTEMS AND METHODS

2y 5m to grant Granted Mar 03, 2026

18/211,657

Patent 12567108

SYSTEM AND METHOD FOR MATCHING TRADING ORDERS BASED ON PRIORITY

2y 5m to grant Granted Mar 03, 2026

18/590,209

Patent 12505453

SYSTEM AND METHOD FOR MAKING PURCHASE PAYMENTS AFTER PAYMENT FAILURES

2y 5m to grant Granted Dec 23, 2025

18/341,704

Patent 12493883

SYSTEMS FOR DETECTING BIOMETRIC RESPONSE TO ATTEMPTS AT COERCION

2y 5m to grant Granted Dec 09, 2025

18/512,189

Patent 12488392

DATA PROCESSING METHOD, SYSTEM, AND NON-TRANSITORY COMPUTER-READABLE MEDIUM

2y 5m to grant Granted Dec 02, 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

2-3

Expected OA Rounds

64%

Grant Probability

99%

With Interview (+57.8%)

4y 1m

Median Time to Grant

Moderate

PTA Risk

Based on 554 resolved cases by this examiner. Grant probability derived from career allow rate.