Last updated: July 11, 2026

Application No. 19/087,844

Untitled Application

Unknown

Filed

3600

Priority

Jun 14, 2024 — provisional 63/659,935

Examiner

BORLINGHAUS, JASON M

Art Unit

3692

Tech Center

The PNC Financial Services Group, Inc.

Assignee

The Pnc Financial Services Group Inc.

OA Round

1 (Non-Final)

This examiner grants 48% of cases after interview

— +20.0% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 423 resolved cases, 2023–2026

Examiner Intelligence

BORLINGHAUS, JASON M View full profile →

Grants 48% of resolved cases

Career Allowance Rate

201 granted / 423 resolved

-12.5% vs TC avg

Strong +20% interview lift

Without

With

+20.0%

Interview Lift

resolved cases with interview

Typical timeline

4y 7m

Avg Prosecution

27 currently pending

Career history

470

Total Applications

across all art units

Statute-Specific Performance

§101

9.9%

-30.1% vs TC avg

§103

84.3%

+44.3% vs TC avg

§102

1.6%

-38.4% vs TC avg

§112

3.8%

-36.2% vs TC avg

Black line = Tech Center average estimate • Based on career data from 423 resolved cases

Prosecution Timeline

3600

Application Filed

Mar 26, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/197,196

Patent 12651294

SYSTEM AND METHOD FOR CENTRALIZED CLEARING OF OVER THE COUNTER FOREIGN EXCHANGE INSTRUMENTS

3y 0m to grant Granted Jun 09, 2026

18/437,935

Patent 12524215

AUTOMATED RESOURCE DISTRIBUTION USING CODED DISTRIBUTION RULES

1y 11m to grant Granted Jan 13, 2026

17/088,628

Patent 12430693

TAX DOCUMENT IMAGING AND PROCESSING

4y 11m to grant Granted Sep 30, 2025

17/898,139

Patent 12393947

SYSTEMS AND METHODS FOR AUTHENTICATING A REQUESTOR AT A COMPUTING DEVICE

2y 11m to grant Granted Aug 19, 2025

17/673,604

Patent 12373888

Methods and Systems for Pricing Derivatives at Low Latency

3y 5m to grant Granted Jul 29, 2025

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

48%

Grant Probability

68%

With Interview (+20.0%)

4y 7m

Median Time to Grant

Low

PTA Risk

Based on 423 resolved cases by this examiner. Grant probability derived from career allowance rate.