Last updated: July 12, 2026

Application No. 18/969,896

Untitled Application

Unknown

Filed

Examiner

MILLER, JAMES H

Art Unit

Tech Center

Capital One Services, LLC

Assignee

Capital One Services LLC

OA Round

1 (Non-Final)

This examiner grants 40% of cases after interview

— +33.4% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 197 resolved cases, 2023–2026

Examiner Intelligence

MILLER, JAMES H View full profile →

Grants 40% of resolved cases

Career Allowance Rate

79 granted / 197 resolved

-19.9% vs TC avg

Strong +33% interview lift

Without

With

+33.4%

Interview Lift

resolved cases with interview

Typical timeline

3y 7m

Avg Prosecution

33 currently pending

Career history

238

Total Applications

across all art units

Statute-Specific Performance

§101

14.0%

-26.0% vs TC avg

§103

73.5%

+33.5% vs TC avg

§102

2.3%

-37.7% vs TC avg

§112

8.6%

-31.4% vs TC avg

Black line = Tech Center average estimate • Based on career data from 197 resolved cases

Prosecution Timeline

May 04, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/696,726

Patent 12651245

Method, Wallet Application Terminal, and System for Opening Digital Wallet

2y 2m to grant Granted Jun 09, 2026

17/925,788

Patent 12602690

SYSTEMS AND METHODS FOR TRANSACTION AUTHORIZATION

3y 5m to grant Granted Apr 14, 2026

18/513,149

Patent 12591931

METHODS, APPARATUS, AND SYSTEMS TO FACILITATE TRADES USING DISPLAYED FINANCIAL CURVES

2y 4m to grant Granted Mar 31, 2026

19/051,264

Patent 12561745

Artificial Intelligence Systems and Methods for Efficient Use of Assets

1y 0m to grant Granted Feb 24, 2026

18/350,731

Patent 12547992

CRYPTOGRAPHIC CURRENCY EXCHANGE

2y 7m to grant Granted Feb 10, 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

40%

Grant Probability

74%

With Interview (+33.4%)

3y 7m

Median Time to Grant

Low

PTA Risk

Based on 197 resolved cases by this examiner. Grant probability derived from career allowance rate.