Prosecution Insights
Prosecution Insights
Technology area: Transportation, E-Commerce & Mechanical Systems
3 pending office actions • 3 art units • 3 examiners • 0 of 3 (0%) have an AI response strategy ready • 2 patents granted in the last 365 days
Bread Financial Payments Inc. has 3 pending office actions within the Transportation, E-Commerce & Mechanical Systems technology area. These actions are spread across 3 distinct examiners and 3 distinct art units, demonstrating a broad distribution of the company's current intellectual property matters. This variety suggests that the company is developing several different technologies or business methods that fall under different administrative jurisdictions at the patent office.
The busiest examiner, GOLDBERG, IVAN R, is responsible for 1 busiest examiner pending action. Because there are 3 distinct examiners, each examiner is handling a specific matter. This distribution across 3 distinct art units indicates a diverse set of technologies being pursued simultaneously. For the company, this means that prosecution success is not tied to a single examiner's discretion but is instead distributed across multiple points of review.
Based on the USPTO statutory response window for each pending office action. 2 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.
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 + other | 3 (100%) |
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 |
|---|---|---|---|
| GOLDBERG, IVAN R | 1 | 35.2% | +35.9% |
| ALLADIN, AMBREEN A | 1 | 24.6% | +24.4% |
| TRAN, CHRISTINE M | 1 | 41.2% | +23.7% |
Multi-statute / §101-driven matters, or cases in front of an examiner with an allow rate under 30%. The top 3 ordered by deadline are shown.
| App # | Title | Examiner | Due in |
|---|---|---|---|
| 18179312 | APPLYING FOR A CREDIT CARD ACCOUNT ON A MOBILE DEVICE AND PRE-POPULATING A CREDIT CARD NUMBER FIELD | TRAN, CHRISTINE M | 12d |
| 18447266 | MONITORING AND ALERTING SYSTEM AND METHOD | GOLDBERG, IVAN R | 27d |
| 18328714 | SUB-MERCHANT IDENTIFICATION NUMBER (SMID) INGESTION | ALLADIN, AMBREEN A | — |
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 3 ordered by deadline are shown.
| App # | Title | Examiner | Due in |
|---|---|---|---|
| 18179312 | APPLYING FOR A CREDIT CARD ACCOUNT ON A MOBILE DEVICE AND PRE-POPULATING A CREDIT CARD NUMBER FIELD | TRAN, CHRISTINE M | 12d |
| 18447266 | MONITORING AND ALERTING SYSTEM AND METHOD | GOLDBERG, IVAN R | 27d |
| 18328714 | SUB-MERCHANT IDENTIFICATION NUMBER (SMID) INGESTION | ALLADIN, AMBREEN A | — |
| Art Unit | Apps |
|---|---|
| 3619 | 1 |
| 3691 | 1 |
| 3694 | 1 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 18447266 | MONITORING AND ALERTING SYSTEM AND METHOD | GOLDBERG, IVAN R | 3619 | §101§103 | Non-Final OA | 27d | Pending | Aug 09, 2023 |
| 18328714 | SUB-MERCHANT IDENTIFICATION NUMBER (SMID) INGESTION | ALLADIN, AMBREEN A | 3691 | §101§103 | Non-Final OA | — | Pending | Jun 02, 2023 |
| 18179312 | APPLYING FOR A CREDIT CARD ACCOUNT ON A MOBILE DEVICE AND PRE-POPULATING A CREDIT CARD NUMBER FIELD | TRAN, CHRISTINE M | 3694 | §101§103 | Non-Final OA | 12d | Pending | Mar 06, 2023 |
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Start Free TrialBread Financial Payments Inc. has 3 pending office actions as of October 2026, spread across 3 art units and 3 examiners.
Ivan R Goldberg has the most, with 1 of Bread Financial Payments Inc.'s pending office actions.
Mostly Transportation, E-Commerce & Mechanical Systems (USPTO Tech Center 3600), based on where its pending office actions are examined.