Prosecution Insights
Last updated: August 17, 2026

American Express Travel Related Services Company, Inc.

81 pending office actions • 38 art units • 73 examiners • 0 of 81 (0%) have an AI response strategy ready • 66 patents granted in the last 365 days

Portfolio Summary

81
Total Pending OAs
44
Non-Final OAs
31
Final Rejections
6
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 29 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

19
Overdue
4
Due this week
4
Due this month
1
Due in next 60 days
1
Due later

Deadline Fire Line

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. 29 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (19)Due ≤ 7 days (4)Due ≤ 30 days (4)Due ≤ 60 days (1)Due later (1)

Case Difficulty Mix

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.

58
Hard (72%)
18
Medium (22%)
5
Easy (6%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only20 (25%)
§101 + other32 (40%)
§103 only18 (22%)
§112 only2 (2%)
Double-patenting only3 (4%)
Multi-statute (no §101)6 (7%)

Industry Mix

How the docket's pending cases split across USPTO tech-center bands.

0
Life Sciences
0% of docket
15
Information Tech
19% of docket
6
Communications
7% of docket
1
Semiconductors
1% of docket
54
Mechanical / Eng
67% of docket
5
Business / Other
6% of docket

Time-on-OA Estimate

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.

810 h
Manual time on pending OAs
162 h
Time saved (low, 20%)
284 h
Time saved (mid, 35%)
7.1 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
REAGAN, JAMES A 2 71.2% +20.1%
IMMANUEL, ILSE I 2 26.6% +26.6%
OUSSIR, EL MEHDI 2 49.0% +49.4%
ABEDIN, NORMIN 2 84.4% +10.0%
JAMES, GREGORY MARK 2 19.7% +14.3%
RANKINS, WILLIAM E 2 57.7% +8.2%
GREGG, MARY M 2 14.0% +14.1%
IDIAKE, VINCENT I 2 71.6% +19.9%
PARK, YONG S 1 25.4% +12.0%
APPLE, KIRSTEN SACHWITZ 1 60.6% +4.5%

Quick Wins (2)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 2 ordered by deadline are shown.

App #TitleExaminerDue in
18929558 SECURE SHARING OF DATA BETWEEN APPLICATIONS ABEDIN, NORMIN
18458381 MANAGING VERIFIABLE CREDENTIAL LINKAGES TO DENOTE RELATIONSHIPS ABEDIN, NORMIN

Hard Cases (59)

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 #TitleExaminerDue in
18357812 SYSTEMS AND METHODS FOR DISTRIBUTING ADVERTISEMENTS FLYNN, KEVIN H 188d overdue
17893518 BATCH FUNCTIONS FRAMEWORK HU, SELINA ELISA 46d overdue
19031147 SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION DATA TO MOBILE COMMUNICATIONS DEVICES OUSSIR, EL MEHDI 35d overdue
18526502 SYSTEM AND METHOD FOR VERSATILE TRAVEL BOOKING AND TRAVEL DATA MANAGEMENT WALLICK, STEPHANIE SHOSHANA 30d overdue
18159738 AVAILABILITY STATUS FOR REAL-TIME PAYMENT NETWORKS CHISM, STEVEN R 25d overdue
18303306 CLIENT-SIDE TRANSACTION MODIFICATIONS SHAH, BHAVIN D 24d overdue
15357426 RAPID CHECKOUT PRE-INITIATION GREGG, MARY M 23d overdue
17355911 APPLYING A FUNCTION TO A PASSWORD TO DETERMINE AN EXPECTED RESPONSE PERUNGAVOOR, VENKATANARAY 17d overdue

Interview Candidates (15)

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 #TitleExaminerDue in
19031147 SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION DATA TO MOBILE COMMUNICATIONS DEVICES OUSSIR, EL MEHDI 35d overdue
15357426 RAPID CHECKOUT PRE-INITIATION GREGG, MARY M 23d overdue
18745510 SPLITTING GROUP CHARGES JAMES, GREGORY MARK 16d overdue
17492021 CUSTODIAL SYSTEMS FOR NON-FUNGIBLE TOKENS IDIAKE, VINCENT I 15d overdue
18296893 TRACKING REPAYMENT STATUS ACROSS MULTIPLE PAYMENT SYSTEMS JAMES, GREGORY MARK 13d
19538816 METHODS AND SYSTEMS OF CENTRAL BANK DIGITAL CURRENCY FACILITATED MICROPAYMENTS REAGAN, JAMES A
19320878 SYSTEMS AND METHODS FOR AN ACCOUNT ISSUER TO MANAGE A MOBILE WALLET IMMANUEL, ILSE I
19269519 PAYMENT INSTRUMENT ADAPTABLE FOR MULTIPLE CENTRAL BANK DIGITAL CURRENCIES REAGAN, JAMES A

Top Art Units

Art UnitApps
3699 7
3694 5
3695 5
3692 5
3697 4
3698 4
3693 4
3691 3
2449 3
3688 2

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19538816 METHODS AND SYSTEMS OF CENTRAL BANK DIGITAL CURRENCY FACILITATED MICROPAYMENTS REAGAN, JAMES A 3697 §101§103 Non-Final OA Pending Feb 12, 2026
19320878 SYSTEMS AND METHODS FOR AN ACCOUNT ISSUER TO MANAGE A MOBILE WALLET IMMANUEL, ILSE I 3699 §103§112Other Non-Final OA Pending Sep 05, 2025
19269519 PAYMENT INSTRUMENT ADAPTABLE FOR MULTIPLE CENTRAL BANK DIGITAL CURRENCIES REAGAN, JAMES A 3697 §101§103 Non-Final OA Pending Jul 15, 2025
19259813 OPTIMAL ROUTING OF PAYMENTS PARK, YONG S §103 Non-Final OA Pending Jul 03, 2025
19249335 BIOMETRIC-BASED IDENTITY VERIFICATON USING ZERO-KNOWLEDGE PROOFS OUSSIR, EL MEHDI 3699 §101§103§112 Non-Final OA Pending Jun 25, 2025
19246362 OVERLAY NETWORK FOR REAL-TIME PAYMENT NETWORKS APPLE, KIRSTEN SACHWITZ 3691 §101Other Non-Final OA Pending Jun 23, 2025
19094388 SURFACING LOCAL MERCHANTS WITH ENHANCED REWARD OPPORTUNITIES STROUD, CHRISTOPHER §101§102§103 Non-Final OA Pending Mar 28, 2025
19094437 REMOTELY SHARING A PAYMENT INSTRUMENT TO A CLIENT DEVICE LEE, CLAY C 3699 §103 Final Rejection Pending Mar 28, 2025
19087961 OCCASION-BASED PROXY TRANSACTION ACCOUNT GROUPS DAGNEW, SABA §101§103 Non-Final OA Pending Mar 24, 2025
19081686 SYSTEM AND METHOD FOR TOPIC-BASED SEARCH ENGINE TO, BAOQUOC N 2154 §101§103Other Final Rejection Pending Mar 17, 2025
19064366 CROSS-CHANNEL CONSISTENT USER CONTENT KIM, TAELOR 2859 DP Non-Final OA Pending Feb 26, 2025
19052989 INTERACTIVE VOICE CAPABILITIES FOR PROSPECT DIGITAL ACQUISITION KOLOSOWSKI-GAGER, KATHERINE 3687 §101 Final Rejection 2d overdue Pending Feb 13, 2025
19031147 SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION DATA TO MOBILE COMMUNICATIONS DEVICES OUSSIR, EL MEHDI 3699 §101§103 Final Rejection 35d overdue Pending Jan 17, 2025
19019937 NON-FUNGIBLE TOKENS FOR PAYMENT INSTRUMENTS DANG, CHRISTINE 3698 §103 Final Rejection Pending Jan 14, 2025
19014043 PAYMENT ACCESSIBILITY NOTIFICATIONS WILDER, ANDREW H §101 Non-Final OA Pending Jan 08, 2025
19007075 CONSENSUS-BASED DETERMINISTIC AGENTIC SYSTEM LAM, PHILIP HUNG FAI 2656 §101§103 Non-Final OA Pending Dec 31, 2024
19005871 DIGITAL ASSISTANT INTERACTIONS HANDLING MILLER, JAMES H 3694 §103§112 Final Rejection Pending Dec 30, 2024
18967814 NFC-BASED SELF-CHECKOUT SYSTEM PALAVECINO, KATHLEEN GAGE 3688 §101§102 Final Rejection Pending Dec 04, 2024
18930083 NON-FUNGIBLE TOKEN AUTHENTICATION LANIER, BENJAMIN E 2437 §103Other Non-Final OA Pending Oct 29, 2024
18928660 SYSTEMS AND METHODS FOR IN-APPLICATION AND IN-BROWSER PURCHASES KHATRI, NILESH B 3699 §103Other Non-Final OA Pending Oct 28, 2024
18929558 SECURE SHARING OF DATA BETWEEN APPLICATIONS ABEDIN, NORMIN 2449 §103 Final Rejection Pending Oct 28, 2024
18910610 DYNAMIC PROMPT TEMPLATE ENFORCEMENT AND CATEGORIZATION SYSTEM LE, THUYKHANH 2655 §112 Non-Final OA Pending Oct 09, 2024
18906234 DOCUMENT FRAUD PREVENTION SYSTEM SHOEMAKER, ERIC JAMES 2664 §102§103 Non-Final OA Pending Oct 04, 2024
18817874 AUTOMATED VIRAL CONTENT DETECTION DETWEILER, JAMES M 3621 §101§103§112 Non-Final OA Pending Aug 28, 2024
18800960 DETECTING AN ANOMALOUS ACTIVITY IN A TRANSACTION DATA STRUCTURE PHAN, NICHOLAS K 3699 §103 Final Rejection Pending Aug 12, 2024
18792156 PAYMENT NETWORK TRANSACTION SCHEDULER POINVIL, FRANTZY 3693 DP Non-Final OA 5d overdue Pending Aug 01, 2024
18784509 DECENTRALIZED ARCHITECTURE USING ARTIFICIAL INTELLIGENCE DRIVEN AUTONOMOUS SELF-HEALING OF DISTRIBUTED SOFTWARE BOURZIK, BRAHIM 2191 §103 Non-Final OA Pending Jul 25, 2024
18781347 DIGITAL WALLET AUTHENTICATION SYSTEM AND METHOD ASGARI, SIMA 3698 §101§103 Non-Final OA Pending Jul 23, 2024
18776932 SECURE CONVERSATIONAL PAYMENT SERVICE HOLLY, JOHN H 3696 §101§103 Final Rejection Pending Jul 18, 2024
18769893 LINEAGE DATA FOR DATA RECORDS WALDRON, SCOTT A 2152 §101Other Final Rejection 20d Pending Jul 11, 2024
18763464 LINKING A TRANSACTION ACCOUNT WITH A FORM FACTOR TRAN, HAI 3695 §101§102§103Other Non-Final OA 5d Pending Jul 03, 2024
18762098 Predictive Communication System O'SHEA, BRENDAN S 3626 §103 Non-Final OA Pending Jul 02, 2024
18746937 COMPUTER-BASED SYSTEMS HAVING DATA STRUCTURES CONFIGURED FOR MACHINE LEARNING CLASSIFICATION OF ENTITIES AND METHODS OF USE THEREOF GAUTHIER, GERALD 2692 DP Final Rejection 8d Pending Jun 18, 2024
18745510 SPLITTING GROUP CHARGES JAMES, GREGORY MARK 3692 §101 Non-Final OA 16d overdue Pending Jun 17, 2024
18740225 SECURE MOBILE CHECKOUT SYSTEM COBB, MATTHEW 3661 §103 Non-Final OA Pending Jun 11, 2024
18731717 AUTOMATED GIFTING USING MACHINE LEARNING RAMPHAL, LATASHA DEVI 3688 §101§103§112 Final Rejection Pending Jun 03, 2024
18679253 QUANTUM WATERMARKING OF BIOMETRIC IDENTIFIERS VARNDELL, ROSS E 2674 §103 Non-Final OA Pending May 30, 2024
18678424 MOBILE DEVICE TRANSACTION CREDENTIAL LENDING CHAKRAVARTI, ARUNAVA 3692 §101 Final Rejection 22d Pending May 30, 2024
18676590 HYBRID AUTHENTICATION USING QUANTUM KEY DISTRIBUTION WRIGHT, BRYAN F 2497 §103 Non-Final OA Pending May 29, 2024
18669708 DYNAMIC MILESTONE TRACKING MANDEL, MONICA A 3622 §101§103 Non-Final OA Pending May 21, 2024
18664448 AUTOMATED DOCUMENT PROCESSING KHAN, SHAHID K 2146 §103 Final Rejection 19d overdue Pending May 15, 2024
18645775 METAVERSE AUTHENTICATION QAYYUM, ZESHAN 3697 §101§103§112 Final Rejection 1d overdue Pending Apr 25, 2024
18628920 RETURN MANAGEMENT SERVICE BAHL, SANGEETA 3626 §101§103 Non-Final OA 5d overdue Pending Apr 08, 2024
18629144 Tokenized Pre-Transaction Account Combination HAYLES, ASHFORD S 3627 §103 Final Rejection Pending Apr 08, 2024
18596551 AUTOMATED NON-BILLING CYCLE REMITTANCE RANKINS, WILLIAM E 3694 §112 Final Rejection 5d Pending Mar 05, 2024
18583571 REAL-TIME MULTI-SOURCE EVENT AGGREGATION FOR ITINERARY GENERATION AND MANAGEMENT GOMEZ, CHRISTOPHER ALBERT 3628 §101 Non-Final OA 6d Pending Feb 21, 2024
18400570 DISTRIBUTED LEDGER ENABLED LARGE LANGUAGE MODEL SECURITY PROTOCOL PASHA, ATHAR N 2657 §103 Non-Final OA Pending Dec 29, 2023
18400997 SYSTEM AND METHOD FOR THREAT DETECTION AND PREVENTION BINCZAK, BRANDON MICHAEL 2437 §103§112 Non-Final OA Pending Dec 29, 2023
18394200 CLASSIFYING CUSTOMER EXPERIENCE SENTIMENT USING MACHINE LEARNING LEE, MICHAEL CHRISTOPHER §101§103 Non-Final OA Pending Dec 22, 2023
18390254 SOFTWARE VULNERABILITY DETECTION MARTINEZ, TOMMY NMN 2496 §103§112 Final Rejection Pending Dec 20, 2023
18526502 SYSTEM AND METHOD FOR VERSATILE TRAVEL BOOKING AND TRAVEL DATA MANAGEMENT WALLICK, STEPHANIE SHOSHANA 3628 §101§103§112 Non-Final OA 30d overdue Pending Dec 01, 2023
18525126 INTEGRATED SERVICES EXPERIENCE EKECHUKWU, CHINEDU U 3695 §101§103 Final Rejection Pending Nov 30, 2023
18511213 FEDERATED LEARNING FINANCIAL INTELLECT SERVICE SHARVIN, DAVID P 3692 §101§112 Non-Final OA Pending Nov 16, 2023
18504771 SYSTEM AND METHOD FOR PRE-LOADING CONTENT IN A WEB ENVIRONMENT NIU, JIAHE 2119 §103 Non-Final OA Pending Nov 08, 2023
18492390 PREDICTIVE SPENDING AND PAYMENT MANAGEMENT SYSTEMS AND METHODS SHAIKH, MOHAMMAD Z 3694 §101 Final Rejection Pending Oct 23, 2023
18486578 CONFIGURING FOREIGN PAYMENT INSTRUMENTS BASED ON TRAVEL TRANSACTIONS IMMANUEL, ILSE I 3699 §101§103§112 Non-Final OA Pending Oct 13, 2023
18463359 AUTHENTICATION OPTIMIZATION FOR CHATBOT INTERACTIONS NANO, SARGON N 2443 §101 Non-Final OA 70d Pending Sep 08, 2023
18458381 MANAGING VERIFIABLE CREDENTIAL LINKAGES TO DENOTE RELATIONSHIPS ABEDIN, NORMIN 2449 §103 Non-Final OA Pending Aug 30, 2023
18454224 TRANSFER PROTOCOL USING DECENTRALIZED IDENTIFIERS AND VERIFIABLE CREDENTIALS JIMENEZ, JUSTIN ABEL 3697 §101§103 Non-Final OA Pending Aug 23, 2023
18234240 DYNAMIC TRUST SCORE GREGG, MARY M 3695 §101§103 Final Rejection Pending Aug 15, 2023
18361155 DECENTRALIZED IDENTIFIER BASED FORM SUBMISSIONS OYEBISI, OJO O 3695 §101§102§103 Non-Final OA Pending Jul 28, 2023
18357812 SYSTEMS AND METHODS FOR DISTRIBUTING ADVERTISEMENTS FLYNN, KEVIN H 3600 §101§103 Non-Final OA 188d overdue Pending Jul 24, 2023
18222604 ACCELERATED TRANSACTION SERVICE PRESTON, JOHN O 3693 §101§103 Non-Final OA Pending Jul 17, 2023
18346570 LEAKAGE DETECTION SYSTEM GAW, MARK H 3693 §101 Final Rejection 3d overdue Pending Jul 03, 2023
18344210 NOTIFICATIONS FOR SPLITTING TRANSACTIONS PUTTAIAH, ASHA 3691 §101§112 Final Rejection Pending Jun 29, 2023
18206177 ENHANCED FINANCIAL ACCOUNT MANAGEMENT AND TRANSACTION CAPABILITIES DUCK, BRANDON M 3693 §101 Non-Final OA Pending Jun 06, 2023
18202099 REWARDS PROGRAM ACCORDING TO TRANSACTION FREQUENCY SNIDER, SCOTT 3621 §101§103§112 Final Rejection Pending May 25, 2023
18303306 CLIENT-SIDE TRANSACTION MODIFICATIONS SHAH, BHAVIN D 3694 §101 Final Rejection 24d overdue Pending Apr 19, 2023
18296893 TRACKING REPAYMENT STATUS ACROSS MULTIPLE PAYMENT SYSTEMS JAMES, GREGORY MARK 3692 §101 Final Rejection 13d Pending Apr 06, 2023
18189843 SYSTEMS AND METHODS FOR ADVANCED TARGETING GARCIA-CHING, KARINA J 2449 §101§103 Non-Final OA Pending Mar 24, 2023
18113806 PREDICTIVE REVENUE DISTRIBUTION USING A REAL-TIME PAYMENT NETWORK YU, ARIEL J 3627 §101 Non-Final OA 3d overdue Pending Feb 24, 2023
18174204 ELECTRONIC WALLET AND ACCOMODATION OF TRANSACTION LIMITS WITH A CENTRAL BANK DIGITAL CURRENCY MALHOTRA, SANJEEV 3691 §101 Final Rejection 7d Pending Feb 24, 2023
18106798 DETECTING SECURITY BREACHES WITH WATCHDOG TRANSACTION ACCOUNTS SULLIVAN, THOMAS J 3689 §101 Non-Final OA 54d Pending Feb 07, 2023
18159738 AVAILABILITY STATUS FOR REAL-TIME PAYMENT NETWORKS CHISM, STEVEN R 3692 §101 Non-Final OA 25d overdue Pending Jan 26, 2023
18096368 RISK LEVEL FOR MODIFYING SECURITY SAFEGUARDS RANKINS, WILLIAM E 3694 §101 Non-Final OA 8d overdue Pending Jan 12, 2023
18087230 DIRECT DEVICE-TO-DEVICE ASSET TRANSFER NGUYEN, LIZ P 3696 §101 Non-Final OA 15d overdue Pending Dec 22, 2022
17982682 SYSTEMS AND METHODS FOR PAYMENT USING BIOMETRIC INFORMATION IDIAKE, VINCENT I 3698 §101§103 Final Rejection Pending Nov 08, 2022
17893518 BATCH FUNCTIONS FRAMEWORK HU, SELINA ELISA 2193 §103§112 Final Rejection 46d overdue Pending Aug 23, 2022
17492021 CUSTODIAL SYSTEMS FOR NON-FUNGIBLE TOKENS IDIAKE, VINCENT I 3698 §103 Non-Final OA 15d overdue Pending Oct 01, 2021
17355911 APPLYING A FUNCTION TO A PASSWORD TO DETERMINE AN EXPECTED RESPONSE PERUNGAVOOR, VENKATANARAY 2492 §101§102 Non-Final OA 17d overdue Pending Jun 23, 2021
15357426 RAPID CHECKOUT PRE-INITIATION GREGG, MARY M 3695 §101 Final Rejection 23d overdue Pending Nov 21, 2016

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