Last updated: July 07, 2026

Application No. 19/412,132

Untitled Application

Unknown

Filed

Priority

Apr 20, 2021 — continuation of 11/961,089 +1 more

Examiner

XIAO, ZESHENG

Art Unit

Tech Center

Capital One Services, LLC

Assignee

Capital One Services LLC

OA Round

1 (Non-Final)

This examiner grants 44% of cases after interview

— +32.0% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 119 resolved cases, 2023–2026

Examiner Intelligence

XIAO, ZESHENG View full profile →

Grants 44% of resolved cases

Career Allowance Rate

52 granted / 119 resolved

-16.3% vs TC avg

Strong +32% interview lift

Without

With

+32.0%

Interview Lift

resolved cases with interview

Typical timeline

3y 9m

Avg Prosecution

15 currently pending

Career history

141

Total Applications

across all art units

Statute-Specific Performance

§101

3.4%

-36.6% vs TC avg

§103

91.7%

+51.7% vs TC avg

§102

2.3%

-37.7% vs TC avg

§112

0.9%

-39.1% vs TC avg

Black line = Tech Center average estimate • Based on career data from 119 resolved cases

Prosecution Timeline

Jul 02, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

17/708,800

Patent 12632855

SYSTEM AND METHOD FOR SECURE AND CONTACTLESS FUND TRANSFER IN OPEN AND CLOSED LOOP TRANSACTIONS

4y 1m to grant Granted May 19, 2026

18/497,407

Patent 12597020

AUTHENTICATED DATA FEED FOR BLOCKCHAINS

2y 5m to grant Granted Apr 07, 2026

18/127,588

Patent 12536528

Cross-Blockchain Transaction Rebroadcasting

2y 10m to grant Granted Jan 27, 2026

18/602,220

Patent 12524768

ON-DEMAND APPLICATIONS TO EXTEND WEB SERVICES

1y 10m to grant Granted Jan 13, 2026

17/067,165

Patent 12518268

PERSONALLY IDENTIFIABLE INFORMATION SECURE PERSON-TO-PERSON PAYMENT TECHNOLOGY

5y 3m to grant Granted Jan 06, 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

44%

Grant Probability

76%

With Interview (+32.0%)

3y 9m

Median Time to Grant

Low

PTA Risk

Based on 119 resolved cases by this examiner. Grant probability derived from career allowance rate.