Last updated: August 18, 2026

Application No. 19/286,430

BANKING AT AN ATM USING A MOBILE DEVICE

Non-Final OA

Filed

Jul 31, 2025

Priority

Sep 15, 2022 — divisional of 12/400,198

Examiner

HAMILTON, SARA CHANDLER

Art Unit

Tech Center

Assignee

Bank of America Corporation

OA Round

1 (Non-Final)

This examiner grants 64% of cases after interview

— +52.8% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 508 resolved cases, 2023–2026

Examiner Intelligence

HAMILTON, SARA CHANDLER View full profile →

Grants 64% of resolved cases

Career Allowance Rate

326 granted / 508 resolved

+4.2% vs TC avg

Strong +53% interview lift

Without

With

+52.8%

Interview Lift

resolved cases with interview

Typical timeline

3y 9m

Avg Prosecution

23 currently pending

Career history

540

Total Applications

across all art units

Statute-Specific Performance

§101

31.6%

-8.4% vs TC avg

§103

27.0%

-13.0% vs TC avg

§102

9.5%

-30.5% vs TC avg

§112

25.4%

-14.6% vs TC avg

Black line = Tech Center average estimate • Based on career data from 508 resolved cases

Prosecution Timeline

Jul 31, 2025

Application Filed

Jul 31, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/544,656

Patent 12699991

APPARATUSES AND METHODS FOR CALCULATING FOREIGN EXCHANGE ADVANTAGES

2y 7m to grant Granted Aug 04, 2026

18/322,021

Patent 12688250

ECONOMIC OPTIMIZATION FOR PRODUCT SEARCH RELEVANCY

3y 2m to grant Granted Jul 21, 2026

18/659,968

Patent 12675779

METHOD AND SYSTEM OF MINING BLOCKCHAIN TRANSACTIONS PROVIDED BY A VALIDATOR NODE

2y 1m to grant Granted Jul 07, 2026

18/217,526

Patent 12657557

CARBON NEUTRAL BLOCKCHAIN PROTOCOL FOR RESOLVING CARBON OFFSETTER PAYMENTS FOR CRYPTOCURRENCY TRANSACTIONS

2y 11m to grant Granted Jun 16, 2026

18/111,206

Patent 12524967

Extended Reality Methods and Systems for Processing Vehicle-Related Information

2y 11m to grant Granted Jan 13, 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

64%

Grant Probability

99%

With Interview (+52.8%)

3y 9m (~2y 9m remaining)

Median Time to Grant

Low

PTA Risk

Based on 508 resolved cases by this examiner. Grant probability derived from career allowance rate.