Last updated: July 17, 2026

Application No. 19/093,088

FACILITATING PAYMENTS IN AN EXTENDED REALITY SYSTEM BASED ON BEHAVIORAL BIOMETRICS

Non-Final OA

Filed

Mar 27, 2025

Priority

Dec 12, 2020 — provisional 63/124,718 +1 more

Examiner

FU, HAO

Art Unit

3695

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

Mastercard International Incorporated

OA Round

1 (Non-Final)

Interview Optional

— +24.7% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 50% grant rate with +24.7% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 544 resolved cases, 2023–2026

Examiner Intelligence

FU, HAO View full profile →

Grants 50% of resolved cases

Career Allowance Rate

272 granted / 544 resolved

-2.0% vs TC avg

Strong +25% interview lift

Without

With

+24.7%

Interview Lift

resolved cases with interview

Typical timeline

3y 10m

Avg Prosecution

28 currently pending

Career history

580

Total Applications

across all art units

Statute-Specific Performance

§101

22.0%

-18.0% vs TC avg

§103

68.4%

+28.4% vs TC avg

§102

5.9%

-34.1% vs TC avg

§112

2.0%

-38.0% vs TC avg

Black line = Tech Center average estimate • Based on career data from 544 resolved cases

Prosecution Timeline

Mar 27, 2025

Application Filed

May 14, 2026

Non-Final Rejection mailed

Jul 09, 2026

Applicant Interview (Telephonic)

Jul 09, 2026

Examiner Interview Summary

Precedent Cases

Applications granted by this same examiner with similar technology

17/725,217

Patent 12670473

TRANSACTION PROCESSING COMPUTER SYSTEM WITH MULTI-CHANNEL COMMUNICATION CONTROL AND DECISION SUPPORT

4y 2m to grant Granted Jun 30, 2026

18/660,422

Patent 12670499

eSIM Enabled Unique Card as a Device for FI Agnostic Transactions

2y 1m to grant Granted Jun 30, 2026

18/048,257

Patent 12664542

MANAGEMENT OF CREDENTIALS AND AUTHORIZATIONS FOR TRANSACTIONS

3y 8m to grant Granted Jun 23, 2026

18/699,044

Patent 12664553

WIRELESS TAMPER DETECTION

2y 2m to grant Granted Jun 23, 2026

18/793,070

Patent 12640015

SYSTEM AND METHODS FOR MANAGING GRAPHICAL USER INTERFACES FOR ONE OR MORE AUTOMATED TELLER MACHINES

1y 9m to grant Granted May 26, 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

50%

Grant Probability

75%

With Interview (+24.7%)

3y 10m (~2y 6m remaining)

Median Time to Grant

Low

PTA Risk

Based on 544 resolved cases by this examiner. Grant probability derived from career allowance rate.