Last updated: July 17, 2026

Application No. 19/194,935

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

Non-Final OA

Filed

Apr 30, 2025

Priority

Aug 28, 2019 — provisional 62/892,916 +5 more

Examiner

TRAN, HAI

Art Unit

Tech Center

Assignee

State Farm Mutual Automobile Insurance Company

OA Round

1 (Non-Final)

This examiner grants 62% of cases after interview

— +32.1% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 733 resolved cases, 2023–2026

Examiner Intelligence

TRAN, HAI View full profile →

Grants 62% of resolved cases

Career Allowance Rate

454 granted / 733 resolved

+1.9% vs TC avg

Strong +32% interview lift

Without

With

+32.1%

Interview Lift

resolved cases with interview

Typical timeline

3y 5m

Avg Prosecution

18 currently pending

Career history

759

Total Applications

across all art units

Statute-Specific Performance

§101

29.7%

-10.3% vs TC avg

§103

51.4%

+11.4% vs TC avg

§102

10.1%

-29.9% vs TC avg

§112

3.1%

-36.9% vs TC avg

Black line = Tech Center average estimate • Based on career data from 733 resolved cases

Prosecution Timeline

Apr 30, 2025

Application Filed

May 08, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/668,398

Patent 12682348

PAYMENT REDEMPTION USING NON-FUNGIBLE TOKENS

2y 1m to grant Granted Jul 14, 2026

18/806,180

Patent 12682329

SYSTEMS AND METHOD FOR MULTI-LAYER ADAPTIVE PACKET ROUTING

1y 11m to grant Granted Jul 14, 2026

18/570,817

Patent 12675826

SERVER DEVICE FOR PROVIDING MULTIPLE HEALTH INSURANCE CONTRIBUTION AMOUNTS IN SAME USER INTERFACE

2y 6m to grant Granted Jul 07, 2026

18/612,802

Patent 12676242

SYSTEMS AND METHODS FOR ENHANCED OUTLIER DETECTION

2y 3m to grant Granted Jul 07, 2026

18/416,628

Patent 12669710

INTELLIGENT APPLICATION OF RESERVES TO TRANSACTIONS

2y 5m to grant Granted Jun 30, 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

62%

Grant Probability

94%

With Interview (+32.1%)

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

Median Time to Grant

Low

PTA Risk

Based on 733 resolved cases by this examiner. Grant probability derived from career allowance rate.