Last updated: July 07, 2026

Application No. 19/436,456

Untitled Application

Unknown

Filed

Priority

Dec 29, 2016 — provisional 62/440,259 +3 more

Examiner

KHATRI, NILESH B

Art Unit

Tech Center

Wells Fargo Bank, N.A.

Assignee

Wells Fargo Bank, N.A.

OA Round

1 (Non-Final)

This examiner grants 60% of cases after interview

— +26.2% interview lift. A telephonic interview to clarify the technical implementation could significantly improve the outcome.

Based on 179 resolved cases, 2023–2026

Examiner Intelligence

KHATRI, NILESH B View full profile →

Grants 60% of resolved cases

Career Allowance Rate

108 granted / 179 resolved

At TC average

Strong +26% interview lift

Without

With

+26.2%

Interview Lift

resolved cases with interview

Typical timeline

3y 3m

Avg Prosecution

19 currently pending

Career history

205

Total Applications

across all art units

Statute-Specific Performance

§101

10.6%

-29.4% vs TC avg

§103

85.6%

+45.6% vs TC avg

§102

1.1%

-38.9% vs TC avg

§112

1.5%

-38.5% vs TC avg

Black line = Tech Center average estimate • Based on career data from 179 resolved cases

Prosecution Timeline

Jun 30, 2026

Non-Final Rejection mailed (current)

Precedent Cases

Applications granted by this same examiner with similar technology

18/544,900

Patent 12671679

SYSTEMS AND METHODS FOR GENERATING AND USING SECURE SHARDED ONBOARDING USER INTERFACES

2y 6m to grant Granted Jun 30, 2026

17/068,950

Patent 12651256

ASSET TRANSACTION METHOD, STORAGE MEDIUM, AND COMPUTER DEVICE

5y 8m to grant Granted Jun 09, 2026

17/865,547

Patent 12646370

TECHNIQUES FOR PERSONAL IDENTIFICATION NUMBER MANAGEMENT FOR CONTACTLESS CARDS

3y 10m to grant Granted Jun 02, 2026

18/304,955

Patent 12639705

METHODS AND APPARATUS FOR PROVABLE BACKUP CONFIRMATION FOR DIGITAL WALLETS USING KEY SHARDS

3y 1m to grant Granted May 26, 2026

18/613,896

Patent 12640243

SYSTEM FOR PROVIDING A DATA MARKET FOR HEALTH DATA AND FOR PROVIDING REWARDS TO DATA MARKET PARTICIPANTS

2y 2m to grant Granted May 26, 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

60%

Grant Probability

86%

With Interview (+26.2%)

3y 3m

Median Time to Grant

Low

PTA Risk

Based on 179 resolved cases by this examiner. Grant probability derived from career allowance rate.