Prosecution Insights
Last updated: October 27, 2026

Capital One Services LLC

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

378 pending office actions • 114 art units • 318 examiners • 1 of 378 (0%) have an AI response strategy ready • 830 patents granted in the last 365 days

Analysis

Capital One Services LLC has 381 pending office actions in Transportation, E-Commerce & Mechanical Systems. The matters span 322 distinct examiners and 114 distinct art units, producing a broad prosecution footprint that requires distributed matter management.

KANAAN, TONY P is the busiest examiner, with 5 pending matters. That assignment is one portion of a much larger and widely dispersed workload. Counsel should use centralized docket controls, standardized issue tracking, and art-unit reporting, while reserving targeted attention for the KANAAN docket.

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

Portfolio Summary

378
Total Pending OAs
164
Non-Final OAs
201
Final Rejections
13
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 135 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

62
Overdue
7
Due this week
39
Due this month
15
Due in next 60 days
12
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. 135 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (62)Due ≤ 7 days (7)Due ≤ 30 days (39)Due ≤ 60 days (15)Due later (12)

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.

214
Hard (57%)
136
Medium (36%)
25
Easy (7%)
3
Unknown (1%)

Rejection Statute Mix

BucketCases
§101 only61 (16%)
§101 + other116 (31%)
§103 only120 (32%)
§102 only6 (2%)
§112 only9 (2%)
Double-patenting only16 (4%)
Double-patenting + other10 (3%)
Multi-statute (no §101)37 (10%)
No statute on record3 (1%)

Industry Mix

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

0
Life Sciences
0% of docket
185
Information Tech
49% of docket
20
Communications
5% of docket
7
Semiconductors
2% of docket
158
Mechanical / Eng
42% of docket
8
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.

3,780 h
Manual time on pending OAs
756 h
Time saved (low, 20%)
1,323 h
Time saved (mid, 35%)
33.1 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
KANAAN, TONY P 5 28.8% +27.6%
KANERVO, VIRPI H 4 47.5% +47.6%
APPLE, KIRSTEN SACHWITZ 3 60.1% +4.1%
BAKER, IRENE H 3 53.2% +26.6%
WONG, ERIC TAK WAI 3 50.6% +13.1%
OYEBISI, OJO O 3 50.0% +10.8%
ROSEN, ELIZABETH H 3 46.0% +49.9%
HASBROUCK, MERRITT J 3 9.7% +7.0%
MILLER, JAMES H 3 41.1% +36.8%
ALLADIN, AMBREEN A 3 24.6% +24.4%

Hard Cases (216)

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
17528668 Government ID Card Validation Systems RALIS, STEPHEN J 285d overdue
18154001 SHARED EXPENSE MANAGEMENT WONG, ERIC TAK WAI 132d overdue
18800749 USE OF A PAYMENT CARD TO UNLOCK A LOCK SYED, NABIL H 77d overdue
18498441 SYSTEMS AND METHODS FOR RECORDATION OF INTERACTION DATA LADONI, AHOORA 67d overdue
18783919 USING ON-DEMAND APPLICATIONS TO PROCESS ENCRYPTED DATA FROM A CONTACTLESS CARD GETACHEW, WODAJO 66d overdue
18410191 SYSTEMS AND METHODS OF PERSONALIZING CONTACTLESS CARD SKWIERAWSKI, PAUL J 56d overdue
18232006 SYSTEM AND METHOD FOR AUTOMATIC CALENDARING NGUYEN, NGA B 51d overdue
17643478 Transaction Recommendation and Purchasing Engine RAMPHAL, LATASHA DEVI 51d overdue

Interview Candidates (27)

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
18154001 SHARED EXPENSE MANAGEMENT WONG, ERIC TAK WAI 132d overdue
18539119 SYSTEMS AND METHODS FOR REFUNDING PREFUNDED VIRTUAL CARDS KANERVO, VIRPI H 24d overdue
17557466 SYSTEMS AND METHODS FOR INCREASED EFFICIENCY AND RELIABILITY OF CONTACTLESS CARD TRANSACTIONS OYEBISI, OJO O 13d
18644965 INSTANT CHECK CONVERSION ALLADIN, AMBREEN A 14d
18427662 SYSTEMS AND METHODS FOR DYNAMICALLY FUNDING TRANSACTIONS MILLER, JAMES H 28d
18959268 APPLICATION-BASED POINT OF SALE SYSTEM IN MOBILE OPERATING SYSTEMS WONG, ERIC TAK WAI 29d
17980918 SYSTEMS AND METHODS FOR CURRENCY TRANSFER USING VIRTUAL OR AUGMENTED REALITY ENVIRONMENTS KANAAN, TONY P 29d
18763802 SYSTEMS AND METHODS FOR AUTHENTICATING A USER KANAAN, TONY P 30d

Top Art Units

Art UnitApps
3693 14
3691 14
3692 11
3694 11
3627 10
3695 10
3699 9
3696 9
3625 9
3698 9

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19659838 COMPUTER-BASED SYSTEMS CONFIGURED TO PROVIDE PRE-STAGED TRANSACTIONS VIA LOCKERS AND METHODS OF USE THEREOF ZHANG, DUAN 3699 §103 Non-Final OA — Pending Apr 27, 2026
19422393 SYSTEMS AND METHODS FOR DETERMINING DOCUMENT AUTHENTICITY BASED ON WEIGHTED ANALYSIS OF CATEGORICAL CONTENT ATTRIBUTES CERVETTI, DAVID GARCIA 2431 §101§112 Non-Final OA — Pending Dec 16, 2025
19369593 SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD MARSHALL, CHRISTLE I 2876 §102 Final Rejection — Pending Oct 27, 2025
19346021 SYSTEMS AND METHODS FOR PERSONALIZED GUIDANCE WOO, ISAAC M 2163 §102§112 Non-Final OA — Pending Sep 30, 2025
19315138 DETECTING RELIABILITY ACROSS THE INTERNET AFTER SCRAPING SITTNER, MATTHEW T 3629 §101§103DP Final Rejection — Pending Aug 29, 2025
19308718 SCRAMBLING AN IDENTITY ON THE INTERNET GUZMAN, JAVIER O 2496 §103Other Non-Final OA — Pending Aug 25, 2025
19304782 COMMUNICATION TRANSMISSION USING A COMMUNICATION ALLOCATION BASED ON ITERATIVE PROCESSING SHECHTMAN, CHERYL MARIA 2164 §101§102 Non-Final OA — Pending Aug 20, 2025
19302239 JAILED ENVIRONMENT RESTRICTING PROGRAMMATIC ACCESS TO MULTI-TENANT DATA PATEL, DIVESH 3696 §101Other Non-Final OA — Pending Aug 18, 2025
19297323 Multi-Region Workflow Management VU, BAI DUC 2163 DP Final Rejection — Pending Aug 12, 2025
19293683 COMPUTER-BASED SYSTEMS CONFIGURED FOR AUTOMATIC DETECTION OF A VERIFIED IDENTITY RELATED TO INTERACTION SESSIONS AND METHODS OF USE THEREOF KAPLAN, BENJAMIN A 2434 DP Non-Final OA — Pending Aug 07, 2025
19287275 DATA LINEAGE METRIC BASED DATA PROCESSING UDDIN, MOHAMMED R 2161 DP Non-Final OA — Pending Jul 31, 2025
19283466 Transaction Exchange Platform with a Messenger Microservice to Update Transactions ALGIBHAH, MAHER N 2165 DP Final Rejection — Pending Jul 29, 2025
19281483 AUGMENTED DATA FOR SECURITY DURING RECORD UPDATES SHAW, BRIAN F — §103§112 Non-Final OA — Pending Jul 25, 2025
19280051 SYSTEM AND METHOD FOR PROVIDING A SPEND MEMORY RECORD WALKER, MICHAEL JARED 3627 DP Non-Final OA — Pending Jul 24, 2025
19280034 SYSTEMS AND METHODS FOR GENERATING PREDICTIVE RISK OUTCOMES COBB, MATTHEW 3661 §101 Non-Final OA — Pending Jul 24, 2025
19278742 PREDICTING RELEVANCE OF RESOURCES TO SEARCH QUERIES LEROUX, ETIENNE PIERRE 2161 §103§112 Final Rejection — Pending Jul 23, 2025
19278756 SYSTEMS AND METHODS FOR VALIDATING NETWORK OPERATIONS RELATED TO USE OF A TOKEN VIA A TOKEN REQUEST BASED ON ENTITY CHARACTERISTICS NGUYEN, TRONG H 2436 §101DP Non-Final OA — Pending Jul 23, 2025
19275689 SEGMENTATION AND ENGAGEMENT BASED MESSAGING MAHMUD, GOLAM 2458 §103Other Non-Final OA — Pending Jul 21, 2025
19275057 Dynamic Query Allocation to Virtual Warehouses ROBINSON, GRETA LEE 2163 §112DP Non-Final OA — Pending Jul 21, 2025
19259254 SYSTEMS AND METHODS FOR SECURE READ-ONLY AUTHENTICATION ST CYR, DANIEL 2876 §103DP Final Rejection — Pending Jul 03, 2025
19250594 Secondary Data Encryption Via Browser Extension TRAN, JIMMY H 2431 §103Other Non-Final OA — Pending Jun 26, 2025
19249431 NFC MOBILE CURRENCY TRANSFER KHATRI, NILESH B 3699 §101Other Final Rejection 8d overdue Pending Jun 25, 2025
19245149 METHODS AND SYSTEMS FOR PARALLEL PROCESSING OF BATCH COMMUNICATIONS DURING DATA VALIDATION BAYARD, DJENANE M 2447 §102§103Other Non-Final OA — Pending Jun 20, 2025
19240354 SECURE SMART CARD SIGNING DIGITAL DOCUMENTS AND VALIDATION SHEHNI, GHAZAL B 2499 §101§103Other Non-Final OA — Pending Jun 17, 2025
19238307 METHOD AND SYSTEM FOR REDIRECTING A FINANCIAL TRANSACTION APPLE, KIRSTEN SACHWITZ 3693 §101Other Non-Final OA — Pending Jun 13, 2025
19236162 Data Certification Process for Cloud Database Platform BAKER, IRENE H 2154 §103Other Final Rejection — Pending Jun 12, 2025
19235123 SYSTEMS AND METHODS FOR BYPASSING CONTACTLESS PAYMENT TRANSACTION LIMIT MUSTAFA, MOHAMMED H 3693 §101§103 Non-Final OA — Pending Jun 11, 2025
19232943 MOBILE WEB BROWSER AUTHENTICATION AND CHECKOUT USING A CONTACTLESS CARD KANERVO, VIRPI H 3691 §101 Non-Final OA — Pending Jun 10, 2025
19232122 UTILIZING CARD MOVEMENT DATA TO IDENTIFY FRAUDULENT TRANSACTIONS SMITH, SLADE E 3696 §101Other Non-Final OA — Pending Jun 09, 2025
19230428 Computer authentication using knowledge of Former devices PHAM, PHUC H 2408 §103Other Non-Final OA — Pending Jun 06, 2025
19227011 Resource Validation Systems and Methods HASAN, SYED HAROON 2154 §103Other Final Rejection — Pending Jun 03, 2025
19220760 SIGN-UP AUTHENTICATION ZHAO, DON GORDON 2493 §103Other Non-Final OA — Pending May 28, 2025
19221489 GENERATING USER GROUP DEFINITIONS KNACKSTEDT, JACOB BENEDICT 2408 §101§103 Non-Final OA — Pending May 28, 2025
19217163 SYSTEMS AND METHODS FOR AUTHENTICATION USING PARTITIONED AUTHENTICATION TOKENS WON, MICHAEL YOUNG — §102§103 Non-Final OA — Pending May 23, 2025
19217106 SYSTEMS AND METHODS FOR SECURE REPROVISIONING WALIULLAH, MOHAMMED 2498 §103 Non-Final OA — Pending May 23, 2025
19216299 SYSTEMS AND METHODS FOR SCALABLE CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS AVERY, BRIAN WILLIAM 2495 §103§112 Non-Final OA — Pending May 22, 2025
19211518 SYSTEMS AND METHODS FOR RECOMMENDED SORTING OF SEARCH RESULTS FOR ONLINE SEARCHING GARG, YOGESH C 3688 §101Other Non-Final OA — Pending May 19, 2025
19203554 REMOTE CREATION OF VIRTUAL CREDENTIAL BOUND TO PHYSICAL LOCATION HENDERSON, ESTHER BENOIT 2458 DP Non-Final OA — Pending May 09, 2025
19202221 SYSTEMS AND METHODS FOR DEVICE BINDING AUTHENTICATION TRAN, VU V 2491 DP Non-Final OA — Pending May 08, 2025
19202251 SYSTEMS AND METHODS FOR CONTACTLESS CARD COMMUNICATION AND MULTI-DEVICE KEY PAIR CRYPTOGRAPHIC AUTHENTICATION AVERY, BRIAN WILLIAM 2495 §103§112 Non-Final OA — Pending May 08, 2025
19197309 SYSTEMS AND METHODS FOR CORRELATING RESPONSES TO USER-SPECIFIC DATA ELIAS, EARL L 2169 §101§103 Non-Final OA — Pending May 02, 2025
19197671 COMPUTER-BASED PLATFORMS AND SYSTEMS CONFIGURED TO ENHANCE A CALL SCREEN WITH USER-CONTROLLED NOTES ASSOCIATED WITH THE CALL AND METHODS OF USE THEREOF TRAN, VU V 2491 Other Non-Final OA — Pending May 02, 2025
19197919 WIRELESSLY POWERED BATTERYLESS DEVICE PUENTES, DANIEL CALRISSIAN 2836 §103 Non-Final OA — Pending May 02, 2025
19184102 ARTIFICIAL INTELLIGENCE-INITIATED GENERATION OF CLOUD-CREATED TOKENS WITH CONTROLS HILMANTEL, ADAM J 3691 §101§103 Final Rejection — Pending Apr 21, 2025
19184354 OFFLOADING A SIGNING OPERATION ON A USER DEVICE WALKER, MICHAEL JARED 3627 DP Non-Final OA — Pending Apr 21, 2025
19184675 URL-BASED AUTHENTICATION FOR PAYMENT CARDS ALMEIDA, DEVIN E 2431 §112Other Final Rejection — Pending Apr 21, 2025
19184561 PARALLEL SECRET SALT GENERATION AND AUTHENTICATION FOR ENCRYPTED COMMUNICATION TRAORE, FATOUMATA 2436 §103 Non-Final OA — Pending Apr 21, 2025
19183213 ARTIFICIAL INTELLIGENCE DRIVEN VIRTUAL CARD PAYMENTS POE, KEVIN T 3692 §101§102 Non-Final OA — Pending Apr 18, 2025
19096904 VAULTLESS TOKENIZATION LEE, MICHAEL M 2436 §103§112 Non-Final OA — Pending Apr 01, 2025
19093925 IDENTIFICATION OF SENSITIVE CONTENT IN ELECTRONIC MAIL MESSAGES TO PREVENT EXFILTRATION LANIER, BENJAMIN E 2437 §103DP Non-Final OA — Pending Mar 28, 2025

View all 378 →

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Frequently Asked Questions

How many pending USPTO office actions does Capital One Services LLC have?

Capital One Services LLC has 378 pending office actions as of October 2026, spread across 114 art units and 318 examiners.

Which USPTO examiner handles the most Capital One Services LLC applications?

Tony P Kanaan has the most, with 5 of Capital One Services LLC's pending office actions.

What technology area are Capital One Services LLC's patent applications in?

Mostly Transportation, E-Commerce & Mechanical Systems (USPTO Tech Center 3600), based on where its pending office actions are examined.

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