Last updated: July 12, 2026

Application No. 19/112,560

Untitled Application

Unknown

Filed

3600

Priority

Sep 27, 2022 — nonprovisional of PCTRU2022000294

Examiner

TROTTER, SCOTT S

Art Unit

3696

Tech Center

Visa International Service Association

Assignee

Visa International Service Association

OA Round

1 (Non-Final)

Interview Optional

— +14.1% interview lift. Interview already conducted in this application's prosecution history. This examiner has a 63% grant rate with +14.1% interview lift. Since an interview has already been tried, recommend written response with narrowed claims based on precedent claim evolution patterns.

Based on 568 resolved cases, 2023–2026

Examiner Intelligence

TROTTER, SCOTT S View full profile →

Grants 63% of resolved cases

Career Allowance Rate

358 granted / 568 resolved

+3.0% vs TC avg

Moderate +14% lift

Without

With

+14.1%

Interview Lift

resolved cases with interview

Typical timeline

3y 7m

Avg Prosecution

13 currently pending

Career history

582

Total Applications

across all art units

Statute-Specific Performance

§101

18.0%

-22.0% vs TC avg

§103

68.3%

+28.3% vs TC avg

§102

4.8%

-35.2% vs TC avg

§112

1.6%

-38.4% vs TC avg

Black line = Tech Center average estimate • Based on career data from 568 resolved cases

Prosecution Timeline

3600

Application Filed

Apr 23, 2026

Non-Final Rejection mailed

Jun 29, 2026

Examiner Interview Summary

Jun 29, 2026

Applicant Interview (Telephonic)

Precedent Cases

Applications granted by this same examiner with similar technology

17/936,063

Patent 12670528

METHOD FOR DIGITAL ASSET TRANSACTIONS

3y 9m to grant Granted Jun 30, 2026

18/767,756

Patent 12664554

USING RISKS METRICS TO FACILITATE TRANSACTIONS

1y 11m to grant Granted Jun 23, 2026

18/639,809

Patent 12639682

SYSTEM-BASED DETECTION OF CARD SHARING AND FRAUD

2y 1m to grant Granted May 26, 2026

19/037,964

Patent 12620034

USAGE ESTIMATION SYSTEMS AND METHODS FOR RISK ASSOCIATION ADJUSTMENTS

1y 3m to grant Granted May 05, 2026

18/035,684

Patent 12614227

ACCOUNT TRANSFER INTERWORKING SYSTEM

2y 11m to grant Granted Apr 28, 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

63%

Grant Probability

77%

With Interview (+14.1%)

3y 7m

Median Time to Grant

Low

PTA Risk

Based on 568 resolved cases by this examiner. Grant probability derived from career allowance rate.