Last updated: July 12, 2026

Application No. 19/280,042

Untitled Application

Unknown

Filed

Priority

Jul 31, 2024 — provisional 63/678,040

Examiner

SUBRAMANIAN, NARAYANSWAMY

Art Unit

Tech Center

MASTERCARD INTERNATIONAL INCORPORATED

Assignee

Mastercard International Incorporated

OA Round

1 (Non-Final)

This examiner grants 28% of cases after interview

— +30.9% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 536 resolved cases, 2023–2026

Examiner Intelligence

SUBRAMANIAN, NARAYANSWAMY View full profile →

Grants only 28% of cases

Career Allowance Rate

153 granted / 536 resolved

-31.5% vs TC avg

Strong +31% interview lift

Without

With

+30.9%

Interview Lift

resolved cases with interview

Typical timeline

4y 0m

Avg Prosecution

28 currently pending

Career history

568

Total Applications

across all art units

Statute-Specific Performance

§101

55.1%

+15.1% vs TC avg

§103

34.0%

-6.0% vs TC avg

§102

2.7%

-37.3% vs TC avg

§112

4.0%

-36.0% vs TC avg

Black line = Tech Center average estimate • Based on career data from 536 resolved cases

Precedent Cases

Applications granted by this same examiner with similar technology

18/172,250

Patent 12657628

METHOD AND SYSTEM FOR HIGH FREQUENCY TRADING

3y 3m to grant Granted Jun 16, 2026

18/483,425

Patent 12657635

AGENT-FACILITATED CLAIMS DAMAGE ESTIMATION

2y 8m to grant Granted Jun 16, 2026

18/970,475

Patent 12639758

ASSET FRACTIONALIZATION ALGORITHM

1y 5m to grant Granted May 26, 2026

18/139,293

Patent 12555088

SHARED MOBILE PAYMENTS

2y 9m to grant Granted Feb 17, 2026

18/888,852

Patent 12548077

USER-DEFINED ALGORITHM ELECTRONIC TRADING

1y 4m to grant Granted Feb 10, 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

28%

Grant Probability

59%

With Interview (+30.9%)

4y 0m

Median Time to Grant

Low

PTA Risk

Based on 536 resolved cases by this examiner. Grant probability derived from career allowance rate.