Last updated: July 12, 2026

Application No. 18/971,127

Untitled Application

Unknown

Filed

Examiner

HASBROUCK, MERRITT J

Art Unit

Tech Center

Capital One Services, LLC

Assignee

Capital One Services LLC

OA Round

1 (Non-Final)

Interview Optional

— +7.5% interview lift. Interview lift (+7.5%) is below the 15.0% threshold. A written response is recommended.

Based on 148 resolved cases, 2023–2026

Examiner Intelligence

HASBROUCK, MERRITT J View full profile →

Grants only 10% of cases

Career Allowance Rate

15 granted / 148 resolved

-49.9% vs TC avg

Moderate +8% lift

Without

With

+7.5%

Interview Lift

resolved cases with interview

Typical timeline

3y 8m

Avg Prosecution

26 currently pending

Career history

189

Total Applications

across all art units

Statute-Specific Performance

§101

31.7%

-8.3% vs TC avg

§103

62.5%

+22.5% vs TC avg

§102

5.2%

-34.8% vs TC avg

Black line = Tech Center average estimate • Based on career data from 148 resolved cases

Prosecution Timeline

Feb 04, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

17/317,262

Patent 12639710

SYSTEMS AND TECHNIQUES TO UTILIZE AN ACTIVE LINK IN A UNIFORM RESOURCE LOCATOR TO PERFORM A MONEY EXCHANGE

5y 0m to grant Granted May 26, 2026

16/552,434

Patent 12299690

Systems and methods for tracking, predicting, and mitigating advanced persistent threats in networks

5y 8m to grant Granted May 13, 2025

18/343,628

Patent 12141784

SYSTEM FOR WHEELCHAIR-BASED NEAR FIELD COMMUNICATION (NFC) PAYMENT EXTENSION AND STANDARD

1y 4m to grant Granted Nov 12, 2024

17/302,957

Patent 12112369

TRANSMITTING PROACTIVE NOTIFICATIONS BASED ON MACHINE LEARNING MODEL PREDICTIONS

3y 4m to grant Granted Oct 08, 2024

16/528,601

Patent 11887102

TEMPORARY VIRTUAL PAYMENT CARD

4y 6m to grant Granted Jan 30, 2024

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

10%

Grant Probability

18%

With Interview (+7.5%)

3y 8m

Median Time to Grant

Low

PTA Risk

Based on 148 resolved cases by this examiner. Grant probability derived from career allowance rate.