Last updated: July 17, 2026

Application No. 19/238,933

CARD FOR SECURE INTERACTIONS BY UTILIZING MULTIPLE CARD CREDENTIALS

Non-Final OA

Filed

Jun 16, 2025

Priority

Apr 21, 2022 — continuation of 12/333,539

Examiner

PHAN, NICHOLAS K

Art Unit

3699

Tech Center

3600 — Transportation & Electronic Commerce

Assignee

Capital One Services LLC

OA Round

1 (Non-Final)

This examiner grants 52% of cases after interview

— +19.8% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 134 resolved cases, 2023–2026

Examiner Intelligence

PHAN, NICHOLAS K View full profile →

Grants 52% of resolved cases

Career Allowance Rate

69 granted / 134 resolved

-0.5% vs TC avg

Strong +20% interview lift

Without

With

+19.8%

Interview Lift

resolved cases with interview

Typical timeline

3y 3m

Avg Prosecution

23 currently pending

Career history

177

Total Applications

across all art units

Statute-Specific Performance

§101

16.4%

-23.6% vs TC avg

§103

79.4%

+39.4% vs TC avg

§102

3.1%

-36.9% vs TC avg

§112

0.9%

-39.1% vs TC avg

Black line = Tech Center average estimate • Based on career data from 134 resolved cases

Prosecution Timeline

Jun 16, 2025

Application Filed

Apr 08, 2026

Non-Final Rejection mailed

May 06, 2026

Interview Requested

Precedent Cases

Applications granted by this same examiner with similar technology

17/804,984

Patent 12664539

GENERATING AND MANAGING TOKENIZED ASSETS UTILIZING BLOCKCHAIN MINTING AND A DIGITAL PASSPORT

4y 0m to grant Granted Jun 23, 2026

16/123,136

Patent 12530679

PERFORMING BILATERAL NEGOTIATIONS ON A BLOCKCHAIN

7y 4m to grant Granted Jan 20, 2026

17/589,837

Patent 12530686

DIRECT TRANSACTION DATA ENTRY CODING AND INTEGRATION

3y 11m to grant Granted Jan 20, 2026

17/140,680

Patent 12437301

REAL-TIME UPDATING OF A SECURITY MODEL

4y 9m to grant Granted Oct 07, 2025

17/579,690

Patent 12386989

SYSTEMS AND METHODS FOR BLOCKCHAIN-BASED PAYMENTS

3y 6m to grant Granted Aug 12, 2025

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

71%

With Interview (+19.8%)

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

Median Time to Grant

Low

PTA Risk

Based on 134 resolved cases by this examiner. Grant probability derived from career allowance rate.