Last updated: July 17, 2026

Application No. 19/169,595

SYSTEMS AND METHODS FOR PAYMENT TOKEN PROVISIONING WITH VARIABLE RISK EVALUATION

Non-Final OA

Filed

Apr 03, 2025

Priority

Jan 27, 2020 — provisional 62/966,400 +1 more

Examiner

BRIDGES, CHRISTOPHER

Art Unit

3693

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

JPMorgan Chase Bank, N.A.

OA Round

1 (Non-Final)

Interview Optional

— +10.5% interview lift. Interview lift (+10.5%) is below the 15.0% threshold. A written response is recommended.

Based on 345 resolved cases, 2023–2026

Examiner Intelligence

BRIDGES, CHRISTOPHER View full profile →

Grants 45% of resolved cases

Career Allowance Rate

155 granted / 345 resolved

-7.1% vs TC avg

Moderate +10% lift

Without

With

+10.5%

Interview Lift

resolved cases with interview

Typical timeline

3y 2m

Avg Prosecution

23 currently pending

Career history

364

Total Applications

across all art units

Statute-Specific Performance

§101

59.3%

+19.3% vs TC avg

§103

32.1%

-7.9% vs TC avg

§102

4.2%

-35.8% vs TC avg

§112

0.3%

-39.7% vs TC avg

Black line = Tech Center average estimate • Based on career data from 345 resolved cases

Prosecution Timeline

Apr 03, 2025

Application Filed

Apr 23, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/761,230

Patent 12682345

GATED CONTROL FOR BLOCKCHAIN UNITS

2y 0m to grant Granted Jul 14, 2026

17/845,409

Patent 12664009

DISTRIBUTED REGULATORY TANGLEGRAPH CONSORTIUM SYSTEM FOR EXECUTING PROCESSES IN A VIRTUAL COMPUTING ENVIRONMENT

4y 0m to grant Granted Jun 23, 2026

18/389,042

Patent 12659155

PROCESSING A CONTINGENT ACTION TOKEN SECURELY

2y 7m to grant Granted Jun 16, 2026

17/863,165

Patent 12647288

Systems and Methods for Generation of Energy-Backed Digital Units Stored in a Decentralized Ledger

3y 10m to grant Granted Jun 02, 2026

18/919,696

Patent 12646117

APPARATUS AND METHODS FOR IMPLEMENTING CHANGED MONITORING CONDITIONS AND/OR REQUIREMENTS USING DYNAMICALLY-MODIFIABLE CONTROL LOGIC

1y 7m to grant Granted Jun 02, 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

45%

Grant Probability

55%

With Interview (+10.5%)

3y 2m (~1y 11m remaining)

Median Time to Grant

Low

PTA Risk

Based on 345 resolved cases by this examiner. Grant probability derived from career allowance rate.