Last updated: July 13, 2026

Application No. 18/911,914

Untitled Application

Unknown

Filed

3600

Examiner

KANERVO, VIRPI H

Art Unit

3691

Tech Center

Truist Bank

Assignee

Truist Bank

OA Round

1 (Non-Final)

This examiner grants 48% of cases after interview

— +47.9% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 557 resolved cases, 2023–2026

Examiner Intelligence

KANERVO, VIRPI H View full profile →

Grants 48% of resolved cases

Career Allowance Rate

265 granted / 557 resolved

-12.4% vs TC avg

Strong +48% interview lift

Without

With

+47.9%

Interview Lift

resolved cases with interview

Typical timeline

4y 0m

Avg Prosecution

23 currently pending

Career history

600

Total Applications

across all art units

Statute-Specific Performance

§101

24.0%

-16.0% vs TC avg

§103

67.1%

+27.1% vs TC avg

§102

4.4%

-35.6% vs TC avg

§112

2.5%

-37.5% vs TC avg

Black line = Tech Center average estimate • Based on career data from 557 resolved cases

Prosecution Timeline

3600

Application Filed

May 04, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/674,779

Patent 12664584

SYSTEMS AND METHODS FOR MANAGING A LOAN APPLICATION

2y 1m to grant Granted Jun 23, 2026

18/760,640

Patent 12632847

System, Method, and Computer Program Product for Generating Embeddings for Objects

1y 10m to grant Granted May 19, 2026

18/350,528

Patent 12626251

SYSTEMS AND METHODS FOR PREDICTIVE MODELLING OF CLEARING MESSAGES

2y 10m to grant Granted May 12, 2026

18/738,186

Patent 12626235

SYSTEM AND METHOD FOR MOBILE CHECK DEPOSIT WITH RESTRICTED ENDORSEMENT

1y 11m to grant Granted May 12, 2026

18/124,309

Patent 12608701

METHODS, SYSTEMS, AND DEVICES FOR LOADING CURRENCY INTO AN ELECTRONIC WALLET

3y 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

1-2

Expected OA Rounds

48%

Grant Probability

96%

With Interview (+47.9%)

4y 0m

Median Time to Grant

Low

PTA Risk

Based on 557 resolved cases by this examiner. Grant probability derived from career allowance rate.