Prosecution Insights
Last updated: October 14, 2026

Bank of America Corporation

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

202 pending office actions • 95 art units • 188 examiners • 0 of 202 (0%) have an AI response strategy ready • 745 patents granted in the last 365 days

Analysis

Bank of America Corporation maintains an extensive patent portfolio in the Transportation, E-Commerce & Mechanical Systems technology area, featuring 238 pending office actions. These actions are distributed among 223 distinct examiners, which indicates a highly decentralized prosecution strategy. Saad Ahmad Abdullah is the busiest examiner, currently managing 3 pending office actions.

The company's active matters span 93 distinct art units, reflecting a broad technical footprint across the patent office. With 238 pending office actions and 223 distinct examiners, the vast majority of examiners are handling only a single matter for the company. This distribution requires the company to manage relationships and prosecution styles across a very large and diverse group of patent office personnel.

The presence of 93 distinct art units suggests that the company's innovations touch on a wide variety of technical disciplines within its primary technology area. Saad Ahmad Abdullah's 3 pending office actions represent the highest concentration of work with this examiner, yet this is a small fraction of the total volume. Practitioners must be prepared for a wide range of examiner behaviors given the large pool of distinct examiners involved.

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

Portfolio Summary

202
Total Pending OAs
121
Non-Final OAs
78
Final Rejections
3
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 53 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

21
Overdue
1
Due this week
12
Due this month
13
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. 53 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (21)Due ≤ 7 days (1)Due ≤ 30 days (12)Due ≤ 60 days (13)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.

99
Hard (49%)
73
Medium (36%)
26
Easy (13%)
4
Unknown (2%)

Rejection Statute Mix

BucketCases
§101 only22 (11%)
§101 + other55 (27%)
§103 only66 (33%)
§102 only6 (3%)
§112 only8 (4%)
Double-patenting only18 (9%)
Double-patenting + other1 (0%)
Multi-statute (no §101)22 (11%)
No statute on record4 (2%)

Industry Mix

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

0
Life Sciences
0% of docket
127
Information Tech
63% of docket
17
Communications
8% of docket
0
Semiconductors
0% of docket
54
Mechanical / Eng
27% of docket
4
Business / Other
2% 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.

2,020 h
Manual time on pending OAs
404 h
Time saved (low, 20%)
707 h
Time saved (mid, 35%)
17.7 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
BROWN, CHRISTOPHER J 2 75.4% +12.8%
RAHIM, MONJUR 2 84.6% +16.3%
TRAN, TRI MINH 2 81.7% +34.8%
NANO, SARGON N 2 80.8% -1.5%
ROSEN, ELIZABETH H 2 46.0% +49.9%
EKECHUKWU, CHINEDU U 2 1.9% +1.0%
HEBERT, THEODORE E 2 74.1% +14.5%
SUN, CHARLIE 2 91.0% +12.3%
KASSIM, IMAD MUTEE 2 74.6% +30.8%
BASOM, BLAINE T 2 43.1% +20.3%

Quick Wins (4)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 4 ordered by deadline are shown.

App #TitleExaminerDue in
19227296 SYSTEM AND METHOD FOR IDENTIFYING AND PREVENTING MISAPPROPRIATION USING NORMALIZED REQUEST SEQUENCES RAHIM, MONJUR —
19095201 SYSTEMS, METHODS, AND APPARATUSES FOR VERIFYING AUTHENTICATION CREDENTIALS IN AN ELECTRONIC NETWORK RAHIM, MONJUR —
19095378 SYSTEMS, METHODS, AND APPARATUSES FOR GENERATING DATA STRINGS AND FOR MANAGING ENCRYPTED DATA IN DATA CONTAINERS IN AN ELECTRONIC NETWORK TRAN, TRI MINH —
18937742 Detecting Malicious Email Campaigns with Unique but Similarly-Spelled Attachments NANO, SARGON N —

Hard Cases (99)

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
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
18110461 REAL-TIME CROSS-CHANNEL VERIFICATION APPLE, KIRSTEN SACHWITZ 19d 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
18630434 System and Method for Improving the Testing Phase of Software Development Life Cycles HEBERT, THEODORE E 40d
19290440 SYSTEM AND METHOD FOR IMPLEMENTING TIME-RESTRICTED ACCESS CONTROL TO ELECTRONIC DIGITAL RESOURCES BROWN, CHRISTOPHER J —
19227296 SYSTEM AND METHOD FOR IDENTIFYING AND PREVENTING MISAPPROPRIATION USING NORMALIZED REQUEST SEQUENCES RAHIM, MONJUR —
19095201 SYSTEMS, METHODS, AND APPARATUSES FOR VERIFYING AUTHENTICATION CREDENTIALS IN AN ELECTRONIC NETWORK RAHIM, MONJUR —
19095378 SYSTEMS, METHODS, AND APPARATUSES FOR GENERATING DATA STRINGS AND FOR MANAGING ENCRYPTED DATA IN DATA CONTAINERS IN AN ELECTRONIC NETWORK TRAN, TRI MINH —
18944905 SYSTEMS AND METHODS FOR IDENTIFYING AND TRACKING DIGITAL CERTIFICATES FOR SECURE INTERFACING IN A DISTRIBUTED NETWORK TRAN, TRI MINH —
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 —

Top Art Units

Art UnitApps
3693 7
2114 6
2432 6
2439 5
2493 5
3699 5
3624 5
2141 5
2193 5
3695 4

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
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 — §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
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
19256294 SYSTEM AND METHOD FOR IDENTIFYING AND REDIRECTING INCOMING UNAUTHORIZED DATA ACCESS REQUESTS RAHMAN, SHAWNCHOY 2438 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
19225218 System and Method for Matching Multiple Featureless Images Across a Time Series for Outage Prediction and Prevention BUTLER, SARAI E 2114 Other Non-Final OA — Pending Jun 02, 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
19199508 SYSTEMS AND METHODS FOR DATA SYNCHRONIZATION AND REPLICATION IN DISTRIBUTED NETWORKS SYED, FARHAN M 2161 §103Other Final Rejection 17d overdue Pending May 06, 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
19178746 SYSTEMS, METHODS, AND APPARATUSES FOR USING AN ANOMALY DETERRENT SENSOR WITHIN A SELF-SERVICE MACHINE FOR DISPENSING PHYSICAL ITEMS PREVIL, DANIEL 2685 DP Non-Final OA — Pending Apr 14, 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
19095201 SYSTEMS, METHODS, AND APPARATUSES FOR VERIFYING AUTHENTICATION CREDENTIALS IN AN ELECTRONIC NETWORK RAHIM, MONJUR 2436 DP Non-Final OA — Pending Mar 31, 2025
19095248 SYSTEM FOR AUGMENTED HASH-BASED PORTIONING OF NON-FUNGIBLE ELECTRONIC RESOURCES FOR DETECTION OF UNAUTHORIZED DUPLICATES SHOLEMAN, ABU S 2496 §103Other Non-Final OA — Pending Mar 31, 2025
19095378 SYSTEMS, METHODS, AND APPARATUSES FOR GENERATING DATA STRINGS AND FOR MANAGING ENCRYPTED DATA IN DATA CONTAINERS IN AN ELECTRONIC NETWORK TRAN, TRI MINH 2432 DP Non-Final OA — Pending Mar 31, 2025
19094040 WEB APPLICATION FIREWALL CENTRALIZED MANAGEMENT SHAW, BRIAN F 2432 §112 Non-Final OA — Pending Mar 28, 2025
19055815 TechWiki - Computer Diagnostics using Quantum Annealing and Blockchain Framework MANOSKEY, JOSEPH D 2113 Other Non-Final OA — Pending Feb 18, 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
19024275 SYSTEM AND METHOD TO BUILD DYNAMIC APPLICATION PROMPTS WITH SUMMARIZATION FROM INTERACTION DATA TRACY JR., EDWARD 2656 §103 Non-Final OA — Pending Jan 16, 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
19007810 System and method for dynamic partitioning, encryption, and compression based on text patterns LE, CANH 2439 §101§103 Non-Final OA — Pending Jan 02, 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
18968087 Hardware Security Module Implementation as Edge Devices in a Networked System AHMED, MAHABUB S 2434 §103 Final Rejection — Pending Dec 04, 2024
18966887 TEMPLATE AUTOMATION AND MANAGEMENT POE, KEVIN T 3692 §101 Final Rejection — Pending Dec 03, 2024
18965052 SMART CONTRACT GENERATOR KANERVO, VIRPI H 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
18961666 Leveraging Noise Cancelling Technology for Dynamic Voice Authentication LEUNG, ROBERT B 2494 §103 Final Rejection — 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
18952530 ARTIFICIAL INTELLIGENCE SYSTEM FOR AUTOMATIC XML FORMATTING OF IMAGE DATA PATEL, JAYESH A 2677 §103 Non-Final OA — Pending Nov 19, 2024
18952501 AGGREGATED OCR ATTRIBUTE DETERMINATION SYSTEM FOR ENHANCED DATA ACCURACY LIN, JESSICA YIFANG 2668 §103 Non-Final OA — Pending Nov 19, 2024
18950552 CONFIGURABLE AUTHENTICATION SYSTEM BHANDARI, SHREYAJ RAM 2434 §103 Final Rejection — Pending Nov 18, 2024
18944905 SYSTEMS AND METHODS FOR IDENTIFYING AND TRACKING DIGITAL CERTIFICATES FOR SECURE INTERFACING IN A DISTRIBUTED NETWORK TRAN, TRI MINH 2432 §101§103§112 Non-Final OA — Pending Nov 12, 2024
18937742 Detecting Malicious Email Campaigns with Unique but Similarly-Spelled Attachments NANO, SARGON N 2443 DP Non-Final OA — Pending Nov 05, 2024
18936165 Intelligence Model for Analyzing and Determining Transaction Dispute Propensity BUNKER, WILLIAM B 3691 §103 Final Rejection — Pending Nov 04, 2024
18932912 Tracking Data Throughout An Asset Lifecycle NGUYEN, ANH 2458 §103Other Final Rejection — Pending Oct 31, 2024
18933414 Alerting on Anomalous Authorization Requests Derived with Proximity Graph GYORFI, THOMAS A 2435 DP Non-Final OA — Pending Oct 31, 2024

View all 202 →

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Frequently Asked Questions

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

Bank of America Corporation has 202 pending office actions as of October 2026, spread across 95 art units and 188 examiners.

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

Christopher J Brown 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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