Last updated: July 17, 2026

Application No. 19/095,246

SYSTEMS AND METHODS FOR EXPEDITING MATH-BASED CURRENCY TRANSACTIONS

Non-Final OA

Filed

Mar 31, 2025

Priority

Jun 26, 2015 — continuation of 11/188,918 +2 more

Examiner

SHAIKH, MOHAMMAD Z

Art Unit

3694

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

Wells Fargo Bank, N.A.

OA Round

1 (Non-Final)

Interview Optional

— +31.1% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 52% grant rate with +31.1% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 545 resolved cases, 2023–2026

Examiner Intelligence

SHAIKH, MOHAMMAD Z View full profile →

Grants 52% of resolved cases

Career Allowance Rate

286 granted / 545 resolved

+0.5% vs TC avg

Strong +31% interview lift

Without

With

+31.1%

Interview Lift

resolved cases with interview

Typical timeline

3y 8m

Avg Prosecution

31 currently pending

Career history

580

Total Applications

across all art units

Statute-Specific Performance

§101

59.7%

+19.7% vs TC avg

§103

15.9%

-24.1% vs TC avg

§102

2.7%

-37.3% vs TC avg

§112

18.2%

-21.8% vs TC avg

Black line = Tech Center average estimate • Based on career data from 545 resolved cases

Prosecution Timeline

Mar 31, 2025

Application Filed

Apr 30, 2026

Non-Final Rejection mailed

Jul 13, 2026

Applicant Interview (Telephonic)

Jul 13, 2026

Examiner Interview Summary

Precedent Cases

Applications granted by this same examiner with similar technology

17/954,015

Patent 12657633

APPARATUSES, SYSTEMS AND METHODS FOR MITIGATING PROPERTY LOSS BASED ON AN EVENT DRIVEN PROBABLE ROOF LOSS CONFIDENCE SCORE

3y 8m to grant Granted Jun 16, 2026

18/816,233

Patent 12632904

SYSTEMS AND METHODS FOR GENERATING MOBILITY INSURANCE PRODUCTS USING RIDE-SHARING TELEMATICS DATA

1y 8m to grant Granted May 19, 2026

18/136,501

Patent 12608691

WEB LOCATION IMPLEMENTING PAYMENT PROXY

3y 0m to grant Granted Apr 21, 2026

18/732,535

Patent 12602729

SYSTEMS AND METHODS FOR BUILDING, UTILIZING, AND/OR MAINTAINING AN AUTONOMOUS VEHICLE-RELATED EVENT DISTRIBUTED LED

1y 10m to grant Granted Apr 14, 2026

18/503,369

Patent 12586074

MODEL UTILIZATION SYSTEM, MODEL UTILIZATION METHOD, AND COMPUTER PROGRAM PRODUCT

2y 4m to grant Granted Mar 24, 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

52%

Grant Probability

84%

With Interview (+31.1%)

3y 8m (~2y 5m remaining)

Median Time to Grant

Low

PTA Risk

Based on 545 resolved cases by this examiner. Grant probability derived from career allowance rate.