Last updated: July 12, 2026

Application No. 19/009,742

Untitled Application

Unknown

Filed

Examiner

CHOI, YUE YIN

Art Unit

Tech Center

Wells Fargo Bank, N.A.

Assignee

Wells Fargo Bank, N.A.

OA Round

2 (Non-Final)

Interview Optional

— +9.0% interview lift. Interview lift (+9.0%) is below the 15.0% threshold. A written response is recommended.

Based on 147 resolved cases, 2023–2026

Examiner Intelligence

CHOI, YUE YIN View full profile →

Grants 60% of resolved cases

Career Allowance Rate

88 granted / 147 resolved

At TC average

Moderate +9% lift

Without

With

+9.0%

Interview Lift

resolved cases with interview

Typical timeline

3y 10m

Avg Prosecution

21 currently pending

Career history

178

Total Applications

across all art units

Statute-Specific Performance

§101

13.2%

-26.8% vs TC avg

§103

81.5%

+41.5% vs TC avg

§102

2.8%

-37.2% vs TC avg

§112

1.6%

-38.4% vs TC avg

Black line = Tech Center average estimate • Based on career data from 147 resolved cases

Prosecution Timeline

Oct 29, 2025

Non-Final Rejection mailed

Jan 29, 2026

Response Filed

Jun 23, 2026

Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

16/448,596

Patent 12651263

SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS

6y 11m to grant Granted Jun 09, 2026

18/118,644

Patent 12651248

WALLET AS A SERVICE

3y 3m to grant Granted Jun 09, 2026

17/958,109

Patent 12646050

ELECTRONIC ACCOUNT TRANSFERS IN CASINO ENVIRONMENTS

3y 8m to grant Granted Jun 02, 2026

18/090,866

Patent 12619974

System and method for conducting secure financial transactions

3y 4m to grant Granted May 05, 2026

18/200,663

Patent 12619990

System and method for conducting secure financial transactions

2y 11m to grant Granted May 05, 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

60%

Grant Probability

69%

With Interview (+9.0%)

3y 10m

Median Time to Grant

Moderate

PTA Risk

Based on 147 resolved cases by this examiner. Grant probability derived from career allowance rate.