Last updated: July 10, 2026

Application No. 18/946,478

Untitled Application

Unknown

Filed

Examiner

CHAMPAGNE, LUNA

Art Unit

Tech Center

Chime Financial, Inc.

Assignee

Chime Financial Inc.

OA Round

1 (Non-Final)

This examiner grants 46% of cases after interview

— +34.7% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 593 resolved cases, 2023–2026

Examiner Intelligence

CHAMPAGNE, LUNA View full profile →

Grants 46% of resolved cases

Career Allowance Rate

272 granted / 593 resolved

-14.1% vs TC avg

Strong +35% interview lift

Without

With

+34.7%

Interview Lift

resolved cases with interview

Typical timeline

3y 11m

Avg Prosecution

35 currently pending

Career history

631

Total Applications

across all art units

Statute-Specific Performance

§101

5.7%

-34.3% vs TC avg

§103

88.0%

+48.0% vs TC avg

§102

3.8%

-36.2% vs TC avg

§112

1.4%

-38.6% vs TC avg

Black line = Tech Center average estimate • Based on career data from 593 resolved cases

Prosecution Timeline

Apr 06, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

17/454,400

Patent 12661853

SYSTEMS AND METHODS FOR VERIFYING MANUFACTURING WORKFLOWS

4y 7m to grant Granted Jun 23, 2026

18/418,658

Patent 12664513

METHOD AND SYSTEM FOR VARIETY OPTIMIZATION IN HYPER-LOCALIZED ASSORTMENT

2y 5m to grant Granted Jun 23, 2026

18/780,129

Patent 12651232

PERMISSIONING AND DEPENDENCY MAPPING IN SUPPLY CHAIN MANAGEMENT

1y 10m to grant Granted Jun 09, 2026

18/391,639

Patent 12639663

INTEGRATED REVIEW, INVENTORY, AND COMMUNICATION AUTOMATION SYSTEMS AND METHODS

2y 5m to grant Granted May 26, 2026

18/045,035

Patent 12632838

Digital Data Object System

3y 7m to grant Granted May 19, 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

46%

Grant Probability

81%

With Interview (+34.7%)

3y 11m

Median Time to Grant

Low

PTA Risk

Based on 593 resolved cases by this examiner. Grant probability derived from career allowance rate.