Last updated: July 11, 2026

Application No. 18/954,793

Untitled Application

Unknown

Filed

Priority

Nov 01, 2024 — CN PCT/CN2024/129211

Examiner

HOLLY, JOHN H

Art Unit

Tech Center

PayPal, Inc.

Assignee

PayPal Inc.

OA Round

2 (Non-Final)

Interview Optional

— +30.5% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 53% grant rate with +30.5% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 511 resolved cases, 2023–2026

Examiner Intelligence

HOLLY, JOHN H View full profile →

Grants 53% of resolved cases

Career Allowance Rate

272 granted / 511 resolved

-6.8% vs TC avg

Strong +30% interview lift

Without

With

+30.5%

Interview Lift

resolved cases with interview

Typical timeline

3y 6m

Avg Prosecution

16 currently pending

Career history

532

Total Applications

across all art units

Statute-Specific Performance

§101

14.4%

-25.6% vs TC avg

§103

68.4%

+28.4% vs TC avg

§102

3.3%

-36.7% vs TC avg

§112

1.5%

-38.5% vs TC avg

Black line = Tech Center average estimate • Based on career data from 511 resolved cases

Prosecution Timeline

Nov 20, 2025

Non-Final Rejection mailed

Jan 22, 2026

Interview Requested

Feb 06, 2026

Applicant Interview (Telephonic)

Feb 07, 2026

Examiner Interview Summary

Feb 18, 2026

Response Filed

May 28, 2026

Final Rejection mailed

Jun 17, 2026

Examiner Interview Summary

Jun 17, 2026

Applicant Interview (Telephonic)

Precedent Cases

Applications granted by this same examiner with similar technology

17/413,972

Patent 12675832

DEATH TRIGGERED DEVICE, COMMUNICATION AND MANAGEMENT SYSTEM

5y 0m to grant Granted Jul 07, 2026

17/583,082

Patent 12670482

SYSTEM AND METHOD FOR PROCESSING TRANSACTIONS

4y 5m to grant Granted Jun 30, 2026

18/305,483

Patent 12657596

MACHINE LEARNING (ML)-BASED SYSTEM AND METHOD FOR PREDICTING FINANCIAL TRANSACTION PATTERNS

3y 1m to grant Granted Jun 16, 2026

18/336,748

Patent 12657630

TOTAL LOSS EVALUATION AND HANDLING SYSTEM AND METHOD

3y 0m to grant Granted Jun 16, 2026

18/481,971

Patent 12657566

GenAI LETTER OF CONFIRMATION OF BENEFITS

2y 8m to grant Granted Jun 16, 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

53%

Grant Probability

84%

With Interview (+30.5%)

3y 6m

Median Time to Grant

Moderate

PTA Risk

Based on 511 resolved cases by this examiner. Grant probability derived from career allowance rate.