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Office Actions › JPMorgan Chase Bank, N.A. › 19219651
Last updated: July 17, 2026
Application No. 19/219,651

SYSTEMS AND METHODS FOR MOBILE DEVICE PAYMENT USING TAP

Non-Final OA
Filed
May 27, 2025
Priority
May 24, 2024 — provisional 63/651,757
Examiner
GREGG, MARY M
Art Unit
3695
Tech Center
3600 — Transportation & Electronic Commerce
Assignee
JPMorgan Chase Bank, N.A.
OA Round
1 (Non-Final)
14%
Grant Probability
At Risk
1-2
OA Rounds
3y 4m
Est. Remaining
28%
With Interview

Interview Optional

— +14.1% interview lift. Interview lift (+14.1%) is below the 15.0% threshold. A written response is recommended.
Based on 637 resolved cases, 2023–2026

Examiner Intelligence

GREGG, MARY M View full profile →
Grants only 14% of cases
14%
Career Allowance Rate
89 granted / 637 resolved
-38.0% vs TC avg
Moderate +14% lift
Without
With
+14.1%
Interview Lift
resolved cases with interview
Typical timeline
4y 6m
Avg Prosecution
39 currently pending
Career history
697
Total Applications
across all art units

Statute-Specific Performance

§101
6.3%
-33.7% vs TC avg
§103
90.1%
+50.1% vs TC avg
§102
2.2%
-37.8% vs TC avg
§112
0.9%
-39.1% vs TC avg
Black line = Tech Center average estimate • Based on career data from 637 resolved cases

Prosecution Timeline

May 27, 2025
Application Filed
May 27, 2026
Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

13/952,866
Patent 12450653
FIRM TRADE PROCESSING SYSTEM AND METHOD
12y 2m to grant Granted Oct 21, 2025
17/218,757
Patent 12443991
MINIMIZATION OF THE CONSUMPTION OF DATA PROCESSING RESOURCES IN AN ELECTRONIC TRANSACTION PROCESSING SYSTEM VIA SELECTIVE PREMATURE SETTLEMENT OF PRODUCTS TRANSACTED THEREBY BASED ON A SERIES OF RELATED PRODUCTS
4y 6m to grant Granted Oct 14, 2025
17/970,146
Patent 12217312
System and Method for Indicating Whether a Vehicle Crash Has Occurred
2y 3m to grant Granted Feb 04, 2025
17/181,362
Patent 11900469
Point-of-Service Tool for Entering Claim Information
2y 11m to grant Granted Feb 13, 2024
15/199,043
Patent 11861715
System and Method for Indicating Whether a Vehicle Crash Has Occurred
7y 6m to grant Granted Jan 02, 2024
Study what changed to get past this examiner. Based on 5 most recent grants.

Strategy Recommendation AI-generated — please review before filing

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Prosecution Projections

1-2
Expected OA Rounds
14%
Grant Probability
28%
With Interview (+14.1%)
4y 6m (~3y 4m remaining)
Median Time to Grant
Low
PTA Risk
Based on 637 resolved cases by this examiner. Grant probability derived from career allowance rate.

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