Last updated: July 13, 2026

Application No. 18/964,131

Untitled Application

Unknown

Filed

Examiner

OWYANG, MICHELLE N

Art Unit

Tech Center

The Toronto-Dominion Bank

Assignee

The Toronto-dominion Bank

OA Round

2 (Non-Final)

Interview Optional

— +29.3% interview lift. Examiner has a relatively high allowance rate (76%); +29.3% interview lift. A written response may suffice.

Based on 615 resolved cases, 2023–2026

Examiner Intelligence

OWYANG, MICHELLE N View full profile →

Grants 76% — above average

Career Allowance Rate

468 granted / 615 resolved

+16.1% vs TC avg

Strong +29% interview lift

Without

With

+29.3%

Interview Lift

resolved cases with interview

Typical timeline

3y 0m

Avg Prosecution

12 currently pending

Career history

632

Total Applications

across all art units

Statute-Specific Performance

§101

1.6%

-38.4% vs TC avg

§103

80.8%

+40.8% vs TC avg

§102

14.0%

-26.0% vs TC avg

§112

1.2%

-38.8% vs TC avg

Black line = Tech Center average estimate • Based on career data from 615 resolved cases

Prosecution Timeline

Sep 23, 2025

Non-Final Rejection mailed

Dec 09, 2025

Response Filed

Dec 29, 2025

Final Rejection mailed

Jan 26, 2026

Response after Non-Final Action

Precedent Cases

Applications granted by this same examiner with similar technology

18/981,142

Patent 12675496

DATA DISPLAY METHOD, READABLE MEDIUM, AND ELECTRONIC DEVICE

1y 6m to grant Granted Jul 07, 2026

18/818,179

Patent 12657178

ALGORITHMIC SUGGESTIONS BASED ON A UNIVERSAL DATA SCAFFOLD

1y 9m to grant Granted Jun 16, 2026

19/005,159

Patent 12657199

PROCESSING SEARCH REQUESTS

1y 5m to grant Granted Jun 16, 2026

18/672,724

Patent 12650905

ANOMALOUS TRANSACTION RECOVERY IN DATABASE SYSTEMS

2y 0m to grant Granted Jun 09, 2026

18/952,487

Patent 12632461

Application Prediction Based on a Visual Search Determination

1y 6m 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

2-3

Expected OA Rounds

76%

Grant Probability

99%

With Interview (+29.3%)

3y 0m

Median Time to Grant

Moderate

PTA Risk

Based on 615 resolved cases by this examiner. Grant probability derived from career allowance rate.