Prosecution Insights
Last updated: October 27, 2026

Bank of America Corporation

Technology areas: Computing & Software • Networking & Security • Transportation, E-Commerce & Mechanical Systems

166 pending office actions • 88 art units • 156 examiners • 0 of 166 (0%) have an AI response strategy ready • 742 patents granted in the last 365 days

Analysis

Bank of America Corporation has 173 pending office actions in Computing & Software. The matters involve 164 distinct examiners and 88 distinct art units, indicating a large and broadly distributed prosecution docket. Examiner assignments are extensive, while the art-unit distribution provides a more concentrated framework for identifying recurring technical and claim issues.

ROSEN, ELIZABETH H is the busiest examiner, with 2 pending matters. That limited concentration does not identify a principal examiner bottleneck. Counsel may benefit from portfolio-level technology and disclosure review, combined with art-unit comparisons and examiner-specific preparation for the many separate assignments.

Written from this page's own data; every figure is computed from USPTO records and verified before publication.

Portfolio Summary

166
Total Pending OAs
92
Non-Final OAs
70
Final Rejections
4
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 47 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

17
Overdue
1
Due this week
9
Due this month
14
Due in next 60 days
6
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. 47 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (17)Due ≤ 7 days (1)Due ≤ 30 days (9)Due ≤ 60 days (14)Due later (6)

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.

83
Hard (50%)
59
Medium (36%)
22
Easy (13%)
2
Unknown (1%)

Rejection Statute Mix

BucketCases
§101 only21 (13%)
§101 + other43 (26%)
§103 only52 (31%)
§102 only6 (4%)
§112 only8 (5%)
Double-patenting only14 (8%)
Double-patenting + other1 (1%)
Multi-statute (no §101)19 (11%)
No statute on record2 (1%)

Industry Mix

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

0
Life Sciences
0% of docket
100
Information Tech
60% of docket
14
Communications
8% of docket
0
Semiconductors
0% of docket
51
Mechanical / Eng
31% of docket
1
Business / Other
1% 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.

1,660 h
Manual time on pending OAs
332 h
Time saved (low, 20%)
581 h
Time saved (mid, 35%)
14.5 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
POLLOCK, GREGORY A 2 11.0% +12.5%
ROSEN, ELIZABETH H 2 46.0% +49.9%
EKECHUKWU, CHINEDU U 2 1.9% +1.0%
HEBERT, THEODORE E 2 74.2% +14.2%
SUN, CHARLIE 2 91.0% +12.2%
BASOM, BLAINE T 2 43.1% +20.3%
ABDULLAH, SAAD AHMAD 2 74.1% +30.4%
WILSON, YOLANDA L 2 83.7% +5.8%
ABDULLAEV, AMANULLA 2 23.1% +33.4%
WALTON, CHESIREE A 2 31.1% +29.1%

Hard Cases (83)

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
17857307 SYSTEM FOR DIGITAL IDENTITY DETECTION AND VERIFICATION IN A VIRTUAL ENVIRONMENT ZELASKIEWICZ, CHRYSTINA E 142d overdue
18161667 Token Account Payment Computing System ALLADIN, AMBREEN A 113d overdue
17879175 SYSTEMS AND METHOD FOR A DECENTRALIZED ENVIRONMENT TRAINER FOR PHYSICAL DEPLOYMENT ANGELES, JOSE 93d overdue
18477719 System and Method for Managing Interactions on a Blockchain Network RAZA, ZEHRA 46d overdue
18586223 System and method to determine out of balance conditions RINES, ROBERT D 44d overdue
18060906 Digital Format Custodial Services CHOI, YUE YIN 44d overdue
18604039 SYSTEMS AND METHODS FOR INTEGRATIVE ANALYSIS OF MULTIMODAL COMMUNICATION FEATURES FOR MISAPPROPRIATION DETECTION BINCZAK, BRANDON MICHAEL 29d overdue
18637895 Intelligent Secure Method to Orchestrate Coupling of Distributed Memory Storage Leveraging PCCO and DIP MENDEL, JULIAN SCOTT 23d overdue

Interview Candidates (16)

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
18218873 Tiered Creative Micro-Community System WALTON, CHESIREE A 33d
18630434 System and Method for Improving the Testing Phase of Software Development Life Cycles HEBERT, THEODORE E 40d
18401782 ADAPTIVE NETWORK ROUTING PROTOCOLS ABDULLAEV, AMANULLA 40d
18965674 Climate Impact Analytics Using Smart Contracts Leveraging COA (Control Object Algorithm) and Sliding Window Algorithm (SWA) POLLOCK, GREGORY A —
18914409 DECENTRALIZED E-CASH PAYMENTS THROUGH NON-FUNGIBLE TOKENS ROSEN, ELIZABETH H —
18663746 System and method for dynamic test script generation and execution for website performance improvement HEBERT, THEODORE E —
18648679 Real Time Optimization Apparatus Using Smart Contracts for Dynamic Code Validation and Approval SUN, CHARLIE —
18589754 NIMBLE AND MODIFIABLE OUTER LAYER FOR FOUNDATIONAL GENERATIVE ARTIFICIAL INTELLIGENCE (AI) MODELS TO DELAY MODEL DECAY AND EXTEND MODEL LIFE BASOM, BLAINE T —

Top Art Units

Art UnitApps
3693 6
2114 5
2141 5
2193 5
2493 4
3699 4
2432 4
3692 4
3624 4
3695 3

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19531999 Enhanced Automatic Savings Program NGUYEN, THUY N 3622 §102§103Other Non-Final OA — Pending Feb 06, 2026
19299288 Dormant Service Account Disablement System WADE-WRIGHT, SHAQUEAL D 2407 DP Non-Final OA — Pending Aug 13, 2025
19294766 Systems and Methods for Display Notifications for Routing of Electronic Transaction Processing Results MASUD, ROKIB 3627 §101 Non-Final OA — Pending Aug 08, 2025
19290440 SYSTEM AND METHOD FOR IMPLEMENTING TIME-RESTRICTED ACCESS CONTROL TO ELECTRONIC DIGITAL RESOURCES BROWN, CHRISTOPHER J 2439 DP Non-Final OA — Pending Aug 05, 2025
19290066 ELECTRONIC SYSTEM FOR PROACTIVE RESILIENCY, REDUNDANCY AND SECURITY REMEDIATION ACROSS A NETWORK BASED ON DYNAMIC ANALYSIS OF TECHNOLOGY APPLICATIONS BARRY, LANCE LEONARD 2457 DP Non-Final OA — Pending Aug 04, 2025
19289816 SYSTEM FOR IMPROVING THE RESOURCE EVENT DEVICE REMOVAL PROCESS DEBNATH, SUMAN — Other Non-Final OA — Pending Aug 04, 2025
19286430 BANKING AT AN ATM USING A MOBILE DEVICE HAMILTON, SARA CHANDLER 3695 §101§103 Non-Final OA — Pending Jul 31, 2025
19269859 Virtual Machine Image Management System NGUYEN, TRONG H 2436 DP Non-Final OA — Pending Jul 15, 2025
19256294 SYSTEM AND METHOD FOR IDENTIFYING AND REDIRECTING INCOMING UNAUTHORIZED DATA ACCESS REQUESTS RAHMAN, SHAWNCHOY 2438 DP Non-Final OA — Pending Jul 01, 2025
19257180 SYSTEMS AND METHODS FOR DATA TRACE AND SEQUENCE DETERMINATIONS IN DISTRIBUTED NETWORKS AGUIAR, JOHNNY B 2447 DP Non-Final OA — Pending Jul 01, 2025
19241772 SYSTEM AND METHOD FOR TRANSACTION RECONCILIATION AND ANOMALY DETECTION USING TOKENIZED DECENTRALIZED MESH WASEL, MOHAMED A 2454 DP Non-Final OA — Pending Jun 18, 2025
19232519 SYSTEM AND METHOD FOR IMPLEMENTING AUTHENTICATION CONTROL PROTOCOLS VIA COMPONENTS OF AN ENTITY DEVICE SUH, ANDREW 2493 DP Non-Final OA — Pending Jun 09, 2025
19227296 SYSTEM AND METHOD FOR IDENTIFYING AND PREVENTING MISAPPROPRIATION USING NORMALIZED REQUEST SEQUENCES RAHIM, MONJUR 2436 DP Non-Final OA — Pending Jun 03, 2025
19222713 Altering card device attributes in response to detecting a proximity intrusion WILLIAMS, CLAYTON R 2443 §103Other Non-Final OA — Pending May 29, 2025
19222968 System and Method for Operating Distributed Computer Systems KO, CHAE M 2114 §102§103§112DP Non-Final OA — Pending May 29, 2025
19200782 SYSTEMS, METHODS, AND APPARATUSES FOR DETECTING USER ACCOUNT MISAPPROPRIATION ATTEMPTS USING ARTIFICIAL INTELLIGENCE IN AN ELECTRONIC NETWORK YANG, HAN 2493 DP Non-Final OA — Pending May 07, 2025
19199632 SYSTEM AND METHOD FOR DETERMINING CAUSES OF NETWORK ANOMALIES ACROSS A DISTRIBUTED NETWORK LEIBOVICH, YAIR 2114 §101§102§103§112 Non-Final OA — Pending May 06, 2025
19183990 CRYPTOCURRENCY EXCHANGE PLATFORM IMMANUEL, ILSE I 3699 §103§112 Non-Final OA — Pending Apr 21, 2025
19181500 Intelligent Routing Signaling System ZENATI, AMAL S 2693 DP Non-Final OA — Pending Apr 17, 2025
19178340 Securing user interfaces of a computing cluster SWEARINGEN, JEFFREY R 2445 DP Non-Final OA — Pending Apr 14, 2025
19177313 SYSTEM AND METHOD FOR DATA PROTECTION IN A DISTRIBUTED NETWORK VIA RECONSTRUCTION AND ANALYSIS OF DATA SEGMENTS GRIJALVA LOBOS, BORIS D 2496 §103Other Non-Final OA — Pending Apr 11, 2025
19094040 WEB APPLICATION FIREWALL CENTRALIZED MANAGEMENT SHAW, BRIAN F 2432 §112 Non-Final OA — Pending Mar 28, 2025
19056038 SYSTEMS FOR ESTABLISHING AND CONTROLLING ACCESS AND PRIVILEGES IN A VIRTUAL REALITY COMPUTING ENVIRONMENT BASED ON AUTHENTICATED IDENTITIES WANG, YI 2619 §103Other Non-Final OA — Pending Feb 18, 2025
19048539 SYSTEM AND METHOD FOR DYNAMICALLY ROUTING USERS TO DIFFERENT VERSIONS OF AN APPLICATION IN REAL-TIME DABIPI, DIXON F 2451 §103 Non-Final OA — Pending Feb 07, 2025
19016293 Intelligent Real-Time User Interface Analysis and Guidance Generation Using Reference Resolution Mode SERROU, ABDELALI 2659 §103§112 Non-Final OA — Pending Jan 10, 2025
19014530 Targeted Audio Neutralization Using Predictive Modeling CRESPO FEBLES, HECTOR J 2657 §103 Non-Final OA — Pending Jan 09, 2025
18971653 A system and method for improving computing performance of a data center PATEL, KAMINI B 2114 §102 Final Rejection — Pending Dec 06, 2024
18970259 DATA GOVERNANCE FOR SANITIZATION AND MANIPULATION OF RESTRICTED DATA BASED ON DETECTED SECURITY THREAT FENSTERMACHER, JASON B 3698 §101§103 Final Rejection — Pending Dec 05, 2024
18966887 TEMPLATE AUTOMATION AND MANAGEMENT POE, KEVIN T 3692 §101 Final Rejection — Pending Dec 03, 2024
18965674 Climate Impact Analytics Using Smart Contracts Leveraging COA (Control Object Algorithm) and Sliding Window Algorithm (SWA) POLLOCK, GREGORY A 3691 §101 Non-Final OA — Pending Dec 02, 2024
18961632 Anomaly Detection and Resolution Using Artificial Intelligence AHMED, ZAIN JIM 2432 §103 Non-Final OA — Pending Nov 27, 2024
18953617 A system and method for detecting and managing a data breach in a computing network POWERS, WILLIAM S 2496 §102 Non-Final OA — Pending Nov 20, 2024
18952501 AGGREGATED OCR ATTRIBUTE DETERMINATION SYSTEM FOR ENHANCED DATA ACCURACY LIN, JESSICA YIFANG 2668 §103 Non-Final OA — Pending Nov 19, 2024
18938887 Intelligent Apparatus for Next-GEN Carbon Credits Platform Leveraging Synthetic Data Token Generation Powered by Responsible AI PATEL, DIPEN M 3621 §101 Non-Final OA — Pending Nov 06, 2024
18937742 Detecting Malicious Email Campaigns with Unique but Similarly-Spelled Attachments NANO, SARGON N 2443 DP Non-Final OA — Pending Nov 05, 2024
18933414 Alerting on Anomalous Authorization Requests Derived with Proximity Graph GYORFI, THOMAS A 2435 DP Non-Final OA — Pending Oct 31, 2024
18929706 APPARATUS AND METHODS FOR CONTENT-BASED BIOMETRIC AUTHENTICATION ALMAGHAYREH, KHALID M 2689 §103 Non-Final OA — Pending Oct 29, 2024
18921687 SYSTEMS AND METHODS FOR GENERATING DYNAMIC DATA SECURITY LAYERS FOR DISPARATE ELECTRONIC ENVIRONMENTS WANG, HARRIS C 2439 §103 Final Rejection — Pending Oct 21, 2024
18919181 SYSTEM AND METHOD FOR GENERATING AND MANAGING DISTRIBUTED REGISTER BASED ENTITY NETWORKS GADALLA, HANY S 2493 §103 Final Rejection — Pending Oct 17, 2024
18917299 SYSTEMS AND METHODS FOR ROBOTIC PROCESS AUTOMATION AND MACHINE LEARNING FOR DYNAMIC NETWORK MONITORING AND PACKET VALIDATION IN ELECTRONIC ENVIRONMENTS WORKU, KIDEST 2119 §101§103 Non-Final OA — Pending Oct 16, 2024
18915779 SYSTEM AND METHOD FOR INTELLIGENT GENERATION AND TRACKING OF RESOURCE CHECKPOINTS PARK, YONG S 3694 §101§103§112 Final Rejection — Pending Oct 15, 2024
18916300 SYSTEMS AND METHODS FOR AUTOMATICALLY AND DYNAMICALLY UPDATING AND MANAGING AUTHENTICATION CREDENTIAL IN A DISTRIBUTED NETWORK KONG, ALAN LINGQIAN 2494 §103§112 Non-Final OA — Pending Oct 15, 2024
18914743 System and Method for Predicting Dependency Patterns and Behaviors of Software Applications to Optimize Code Remediation TRAN, JOSHUA VAN 2192 §101§103§112 Non-Final OA — Pending Oct 14, 2024
18914409 DECENTRALIZED E-CASH PAYMENTS THROUGH NON-FUNGIBLE TOKENS ROSEN, ELIZABETH H 3693 §101§102 Non-Final OA — Pending Oct 14, 2024
18901117 LEVERAGING QUANTUM COMPUTING ARTIFICIAL INTELLIGENCE TO PREVENT CYBERATTACKS ON QUANTUM IOT DEVICES ZOUBAIR, NOURA 2434 §103 Final Rejection — Pending Sep 30, 2024
18895681 AI-Driven Defect Remediation System Based on Bias Detection BOURZIK, BRAHIM 2191 §112 Non-Final OA — Pending Sep 25, 2024
18894122 GENERATIVE ARTIFICIAL INTELLIGENCE SUPPORTING IMAGE AND DOCUMENT ENHANCEMENTS FOR TRAINING MODELS USING QUANTUM COMPUTING SHUI, MING 2663 §112 Final Rejection — Pending Sep 24, 2024
18892141 SYSTEM FOR SECURE USER IDENTIFICATION USING DIGITAL IMAGE PROCESSING CHOUDHURY, RAQIUL A 2444 §103 Final Rejection — Pending Sep 20, 2024
18888522 SYSTEM AND METHOD FOR GENERATING DYNAMIC CUSTOM GRAPHIC USER INTERFACES BY PERFORMING ADAPTIVE PRE-CACHING OF DATA MIAN, MOHAMMAD YOU A 2457 §102§103§112 Non-Final OA — Pending Sep 18, 2024
18820413 SPATIAL COMPUTING SOURCE CODE DEVELOPMENT SECURITY SYSTEM LANIER, BENJAMIN E 2437 §112 Final Rejection — Pending Aug 30, 2024

View all 166 →

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Frequently Asked Questions

How many pending USPTO office actions does Bank of America Corporation have?

Bank of America Corporation has 166 pending office actions as of October 2026, spread across 88 art units and 156 examiners.

Which USPTO examiner handles the most Bank of America Corporation applications?

Gregory A Pollock has the most, with 2 of Bank of America Corporation's pending office actions.

What technology area are Bank of America Corporation's patent applications in?

Mostly Computing & Software (USPTO Tech Center 2100), based on where its pending office actions are examined.

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