Prosecution Insights
Prosecution Insights
17 pending office actions • 8 art units • 16 examiners • 0 of 17 (0%) have an AI response strategy ready • 2 patents granted in the last 365 days
Based on the USPTO statutory response window for each pending office action. 6 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.
Every pending office action with a known statutory deadline, placed on a days-until-due axis. Dots left of Today are overdue; the further right, the more runway. Cases that share a deadline window stack vertically. 6 of the docket's apps have a known mailing date.
Difficulty is derived from the rejection statutes on the most recent pending office action. §101-driven and multi-statute cases are graded Hard; §112-only and obviousness-type double-patenting cases are graded Easy; everything else is Medium. "Unknown" means we have not yet parsed a statute for that office action.
| Bucket | Cases |
|---|---|
| §101 only | 9 (53%) |
| §101 + other | 6 (35%) |
| §103 only | 1 (6%) |
| Double-patenting only | 1 (6%) |
How the docket's pending cases split across USPTO tech-center bands.
Manual office-action response work runs about 10 hours per case. The time-saved bands below show what IP Author's prosecution pipeline typically delivers — a conservative 20% on the low end, 35% in the middle, 50% on the high end.
| Examiner | Apps on this docket | Allow rate | Interview lift |
|---|---|---|---|
| HASBROUCK, MERRITT J | 2 | 10.1% | +7.5% |
| TROTTER, SCOTT S | 1 | 63.1% | +13.9% |
| SHAH, BHAVIN D | 1 | 41.2% | +24.9% |
| POINVIL, FRANTZY | 1 | 79.1% | +15.9% |
| GREGG, MARY M | 1 | 14.0% | +14.1% |
| PUTTAIAH, ASHA | 1 | 21.4% | +22.0% |
| MERCHANT, SHAHID R | 1 | 28.3% | +24.8% |
| FU, HAO | 1 | 50.1% | +25.1% |
| SHAIKH, MOHAMMAD Z | 1 | 52.6% | +31.2% |
| MUSTAFA, MOHAMMED H | 1 | 35.0% | +30.8% |
Multi-statute / §101-driven matters, or cases in front of an examiner with an allow rate under 30%. The top 8 ordered by deadline are shown.
| App # | Title | Examiner | Due in |
|---|---|---|---|
| 17546292 | System, Method and Apparatus for Providing Improved Electronic Disclosure of Credit Terms | AKINTOLA, OLABODE | 30d overdue |
| 17401938 | System, Method and Apparatus for Making Credit Decisions at a User-Level | MALKOWSKI, MARK A | 9d overdue |
| 17950527 | SYSTEM, METHOD AND APPARATUS FOR OPTIMIZATION OF FINANCING PROGRAMS | MUSTAFA, MOHAMMED H | 23d |
| 18827743 | REFINANCING TOOLS FOR PURCHASING TRANSACTIONS | POINVIL, FRANTZY | 27d |
| 18891122 | METHOD AND APPARATUS FOR ANALYZING UNSTRUCTURED DATA TO CONDITION SIGNALS FOR FACILITATING PROVISION OF MERCHANT LOSS PREVENTION | SHAH, BHAVIN D | 29d |
| 17355725 | System, Method and Apparatus for Modeling Loan Transitions | PARK, YONG S | 34d |
| 18654102 | METHOD AND APPARATUS FOR LOAN MATCHING WITH RESPECT TO PAYMENT INSTRUMENT TRANSACTIONS | GREGG, MARY M | — |
| 18214171 | SYSTEM, METHOD AND APPARATUS FOR PERSONALIZATION OF PREQUALIFICATION FOR FINANCING PROGRAMS | PUTTAIAH, ASHA | — |
Cases in front of an examiner whose interview lift is 10 percentage points or more — i.e. interviewed cases historically resolve more favorably than non-interviewed ones. The top 8 ordered by deadline are shown.
| App # | Title | Examiner | Due in |
|---|---|---|---|
| 17950527 | SYSTEM, METHOD AND APPARATUS FOR OPTIMIZATION OF FINANCING PROGRAMS | MUSTAFA, MOHAMMED H | 23d |
| 18827743 | REFINANCING TOOLS FOR PURCHASING TRANSACTIONS | POINVIL, FRANTZY | 27d |
| 18891122 | METHOD AND APPARATUS FOR ANALYZING UNSTRUCTURED DATA TO CONDITION SIGNALS FOR FACILITATING PROVISION OF MERCHANT LOSS PREVENTION | SHAH, BHAVIN D | 29d |
| 19275038 | SYSTEM, METHOD AND APPARATUS FOR PROVIDING VOLUNTARY DOWN PAYMENTS FOR ONLINE PURCHASES BASED ON CREDIT | TROTTER, SCOTT S | — |
| 18654102 | METHOD AND APPARATUS FOR LOAN MATCHING WITH RESPECT TO PAYMENT INSTRUMENT TRANSACTIONS | GREGG, MARY M | — |
| 18214171 | SYSTEM, METHOD AND APPARATUS FOR PERSONALIZATION OF PREQUALIFICATION FOR FINANCING PROGRAMS | PUTTAIAH, ASHA | — |
| 18144383 | METHOD AND APPARATUS FOR HANDLING OF REFUNDS IN ASSOCIATION WITH A FUNCTIONALLY DYNAMIC CARD | MERCHANT, SHAHID R | — |
| 17953605 | SYSTEM, METHOD AND APPARATUS FOR PROVIDING MIXED CART FINANCING OPTIONS | FU, HAO | — |
| Art Unit | Apps |
|---|---|
| 3695 | 5 |
| 3694 | 3 |
| 3693 | 2 |
| 3691 | 2 |
| 3684 | 1 |
| 3629 | 1 |
| 3692 | 1 |
| 3696 | 1 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 19275038 | SYSTEM, METHOD AND APPARATUS FOR PROVIDING VOLUNTARY DOWN PAYMENTS FOR ONLINE PURCHASES BASED ON CREDIT | TROTTER, SCOTT S | — | DP | Non-Final OA | — | Pending | Jul 21, 2025 |
| 18891122 | METHOD AND APPARATUS FOR ANALYZING UNSTRUCTURED DATA TO CONDITION SIGNALS FOR FACILITATING PROVISION OF MERCHANT LOSS PREVENTION | SHAH, BHAVIN D | 3694 | §101 | Final Rejection | 29d | Pending | Sep 20, 2024 |
| 18827743 | REFINANCING TOOLS FOR PURCHASING TRANSACTIONS | POINVIL, FRANTZY | 3693 | §101 | Final Rejection | 27d | Pending | Sep 07, 2024 |
| 18654102 | METHOD AND APPARATUS FOR LOAN MATCHING WITH RESPECT TO PAYMENT INSTRUMENT TRANSACTIONS | GREGG, MARY M | 3695 | §101§103 | Final Rejection | — | Pending | May 03, 2024 |
| 18214171 | SYSTEM, METHOD AND APPARATUS FOR PERSONALIZATION OF PREQUALIFICATION FOR FINANCING PROGRAMS | PUTTAIAH, ASHA | 3691 | §103 | Non-Final OA | — | Pending | Jun 26, 2023 |
| 18144383 | METHOD AND APPARATUS FOR HANDLING OF REFUNDS IN ASSOCIATION WITH A FUNCTIONALLY DYNAMIC CARD | MERCHANT, SHAHID R | 3684 | §101 | Non-Final OA | — | Pending | May 08, 2023 |
| 18111668 | SYSTEM, METHOD AND APPARATUS FOR PREVENTING INSUFFICIENT FUNDS RETURNS IN FINANCIAL TRANSACTION PROCESSING | HASBROUCK, MERRITT J | 3695 | §101 | Final Rejection | — | Pending | Feb 20, 2023 |
| 17953605 | SYSTEM, METHOD AND APPARATUS FOR PROVIDING MIXED CART FINANCING OPTIONS | FU, HAO | 3695 | §101§103 | Non-Final OA | — | Pending | Sep 27, 2022 |
| 17952831 | METHOD AND APPARATUS FOR MAPPING OF PLANNED PURCHASES WITH PRE-APPROVED FINANCING TERMS TO FINANCIAL TRANSACTIONS | SHAIKH, MOHAMMAD Z | 3694 | §101 | Non-Final OA | — | Pending | Sep 26, 2022 |
| 17950527 | SYSTEM, METHOD AND APPARATUS FOR OPTIMIZATION OF FINANCING PROGRAMS | MUSTAFA, MOHAMMED H | 3693 | §101 | Final Rejection | 23d | Pending | Sep 22, 2022 |
| 17728386 | METHOD AND APPARATUS FOR PROVISION OF A VIRTUAL CARD HAVING A PERSISTENT PRIMARY ACCOUNT NUMBER | HASBROUCK, MERRITT J | 3695 | §101 | Non-Final OA | — | Pending | Apr 25, 2022 |
| 17723871 | METHOD AND APPARATUS FOR FACILITATING ONBOARDING OF MERCHANTS INTO AN ONLINE COMMERCIAL ECOSYSTEM | SHARON, AYAL I | 3695 | §101§103 | Non-Final OA | — | Pending | Apr 19, 2022 |
| 17698463 | Method and Apparatus for Facilitating Provision of Instant Credit to Customers VIA Rapid and Machine Learning Supported Underwriting Decisions | ARAQUE JR, GERARDO | 3629 | §101§103 | Non-Final OA | — | Pending | Mar 18, 2022 |
| 17546292 | System, Method and Apparatus for Providing Improved Electronic Disclosure of Credit Terms | AKINTOLA, OLABODE | 3691 | §101 | Non-Final OA | 30d overdue | Pending | Dec 09, 2021 |
| 17489293 | System, Method and Apparatus for Enabling Enhanced Consumer Engagement for Providing Access to Credit for Online Purchases | POE, KEVIN T | 3692 | §101§112 | Non-Final OA | — | Pending | Sep 29, 2021 |
| 17401938 | System, Method and Apparatus for Making Credit Decisions at a User-Level | MALKOWSKI, MARK A | 3696 | §101 | Final Rejection | 9d overdue | Pending | Aug 13, 2021 |
| 17355725 | System, Method and Apparatus for Modeling Loan Transitions | PARK, YONG S | 3694 | §101§112 | Final Rejection | 34d | Pending | Jun 23, 2021 |
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