Last updated: July 09, 2026

Application No. 18/977,294

Untitled Application

Unknown

Filed

Examiner

WONG, ERIC TAK WAI

Art Unit

Tech Center

Charles Schwab & Co., Inc.

Assignee

Charles Schwab & Co., Inc.

OA Round

1 (Non-Final)

Interview Optional

— +13.7% interview lift. Interview lift (+13.7%) is below the 15.0% threshold. A written response is recommended.

Based on 528 resolved cases, 2023–2026

Examiner Intelligence

WONG, ERIC TAK WAI View full profile →

Grants 51% of resolved cases

Career Allowance Rate

268 granted / 528 resolved

-9.2% vs TC avg

Moderate +14% lift

Without

With

+13.7%

Interview Lift

resolved cases with interview

Typical timeline

4y 0m

Avg Prosecution

33 currently pending

Career history

577

Total Applications

across all art units

Statute-Specific Performance

§101

22.7%

-17.3% vs TC avg

§103

59.1%

+19.1% vs TC avg

§102

12.6%

-27.4% vs TC avg

§112

2.2%

-37.8% vs TC avg

Black line = Tech Center average estimate • Based on career data from 528 resolved cases

Prosecution Timeline

Apr 20, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

17/986,109

Patent 12639765

SELECTIVE SUPPRESSION OF IMPLIED CONTRACT GENERATION

3y 6m to grant Granted May 26, 2026

18/847,727

Patent 12639698

Systems, Methods, and Computer Program Products for Automatically Selecting a Card for Contactless Payment

1y 8m to grant Granted May 26, 2026

18/409,576

Patent 12626252

BLOCKCHAIN-IMPLEMENTED SYSTEMS AND METHODS FOR CONCURRENT BYTECODE INTERPRETATION

2y 4m to grant Granted May 12, 2026

18/587,620

Patent 12561687

Decentralized Digital Identity Exchange for Fraud Detection

1y 12m to grant Granted Feb 24, 2026

18/754,559

Patent 12530721

COMPUTER SYSTEM AND A COMPUTERIZED METHOD FOR CENTRAL COUNTERPARTY LIMIT MANAGEMENT

1y 6m to grant Granted Jan 20, 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.

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Prosecution Projections

1-2

Expected OA Rounds

51%

Grant Probability

64%

With Interview (+13.7%)

4y 0m

Median Time to Grant

Low

PTA Risk

Based on 528 resolved cases by this examiner. Grant probability derived from career allowance rate.