Prosecution Insights
Last updated: May 29, 2026

Charles Schwab & Co. Inc.

10 pending office actions • 7 art units • 10 examiners • 0 of 10 (0%) have an AI response strategy ready • 13 patents granted in the last 365 days

Portfolio Summary

10
Total Pending OAs
5
Non-Final OAs
5
Final Rejections
0
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 10 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

4
Overdue
0
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. 10 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (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.

6
Hard (60%)
4
Medium (40%)
0
Easy (0%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only6 (60%)
§103 only4 (40%)

Industry Mix

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

0
Life Sciences
0% of docket
3
Information Tech
30% of docket
0
Communications
0% of docket
0
Semiconductors
0% of docket
7
Mechanical / Eng
70% of docket
0
Business / Other
0% 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.

100 h
Manual time on pending OAs
20 h
Time saved (low, 20%)
35 h
Time saved (mid, 35%)
0.9 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
MALINOWSKI, WALTER J 1 69.5% +52.3%
FERRER, JEDIDIAH P 1 51.8% +39.7%
SINGH, RUPANGINI 1 36.1% +52.4%
LIU, I JUNG 1 62.1% +33.8%
SKIRVIN, NATHANIEL CHRISTIAN 1
BORLINGHAUS, JASON M 1 47.4% +20.6%
TRAN, HAI 1 61.9% +32.6%
TRAN, CHRISTINE M 1 41.3% +23.9%
FU, HAO 1 50.1% +25.0%
WHITAKER, ANDREW B 1 18.8% +19.1%

Hard Cases (6)

Multi-statute / §101-driven matters, or cases in front of an examiner with an allow rate under 30%. The top 6 ordered by deadline are shown.

App #TitleExaminerDue in
18677155 SYSTEM AND METHOD FOR OPERATING A FAMILY OF MUTUAL FUNDS OR ETFS TRAN, CHRISTINE M 107d overdue
18449266 SEARCH SPACE MINIMIZATION FOR COMPUTERIZED TIME-SERIES DATA FORECASTING SYSTEM FU, HAO 32d overdue
18927350 SYSTEM AND METHOD FOR DOCUMENT REVIEW AND APPROVAL SINGH, RUPANGINI 4d overdue
18891323 APPARATUS FOR DETECTING AND HANDLING ANOMALOUS BEHAVIOR BY USERS AND OTHER ENTITIES LIU, I JUNG 20d
18738362 SYSTEM AND METHOD FOR ASSISTING INDIVIDUALS IN ASSESSING AND IMPROVING THEIR BEHAVIOR REGARDING FINANCIAL AND OTHER-THAN-FINANCIAL PLANNING BASED ON THEIR PERSONAL CIRCUMSTANCES AND ASSISTING WITH IMPLEMENTING SUCH PLANS TRAN, HAI 33d
18365525 SYSTEM AND METHOD FOR LIMITING PROJECT MANAGEMENT RISK WHITAKER, ANDREW B 61d

Interview Candidates (9)

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
18677155 SYSTEM AND METHOD FOR OPERATING A FAMILY OF MUTUAL FUNDS OR ETFS TRAN, CHRISTINE M 107d overdue
18939762 SYSTEMS AND METHODS FOR CONFIGURABLE ORDERED TRANSFORMATION OF DATABASE CONTENT FERRER, JEDIDIAH P 45d overdue
18449266 SEARCH SPACE MINIMIZATION FOR COMPUTERIZED TIME-SERIES DATA FORECASTING SYSTEM FU, HAO 32d overdue
18927350 SYSTEM AND METHOD FOR DOCUMENT REVIEW AND APPROVAL SINGH, RUPANGINI 4d overdue
18961567 SYSTEM AND METHOD FOR AUTHENTICATING USERS USING WEAK AUTHENTICATION TECHNIQUES, WITH DIFFERENCES FOR DIFFERENT FEATURES MALINOWSKI, WALTER J 15d
18783716 SYSTEM AND METHOD FOR MANAGING FRACTIONAL SHARES OF EXCHANGE TRADED FUNDS IN RETIREMENT PLANS BORLINGHAUS, JASON M 15d
18891323 APPARATUS FOR DETECTING AND HANDLING ANOMALOUS BEHAVIOR BY USERS AND OTHER ENTITIES LIU, I JUNG 20d
18738362 SYSTEM AND METHOD FOR ASSISTING INDIVIDUALS IN ASSESSING AND IMPROVING THEIR BEHAVIOR REGARDING FINANCIAL AND OTHER-THAN-FINANCIAL PLANNING BASED ON THEIR PERSONAL CIRCUMSTANCES AND ASSISTING WITH IMPLEMENTING SUCH PLANS TRAN, HAI 33d

Top Art Units

Art UnitApps
3695 4
2439 1
2153 1
3628 1
2498 1
3692 1
3629 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
18961567 SYSTEM AND METHOD FOR AUTHENTICATING USERS USING WEAK AUTHENTICATION TECHNIQUES, WITH DIFFERENCES FOR DIFFERENT FEATURES MALINOWSKI, WALTER J 2439 §103 Non-Final OA 15d Pending Nov 27, 2024
18939762 SYSTEMS AND METHODS FOR CONFIGURABLE ORDERED TRANSFORMATION OF DATABASE CONTENT FERRER, JEDIDIAH P 2153 §103 Non-Final OA 45d overdue Pending Nov 07, 2024
18927350 SYSTEM AND METHOD FOR DOCUMENT REVIEW AND APPROVAL SINGH, RUPANGINI 3628 §101 Final Rejection 4d overdue Pending Oct 25, 2024
18891323 APPARATUS FOR DETECTING AND HANDLING ANOMALOUS BEHAVIOR BY USERS AND OTHER ENTITIES LIU, I JUNG 3695 §101 Non-Final OA 20d Pending Sep 20, 2024
18822743 METHODS, APPARATUSES, SYSTEMS, AND NON-TRANSITORY COMPUTER READABLE MEDIUMS FOR DETECTING FRAUD DURING USER AUTHENTICATION PROCESSES SKIRVIN, NATHANIEL CHRISTIAN 2498 §103 Non-Final OA 13d Pending Sep 03, 2024
18783716 SYSTEM AND METHOD FOR MANAGING FRACTIONAL SHARES OF EXCHANGE TRADED FUNDS IN RETIREMENT PLANS BORLINGHAUS, JASON M 3692 §103 Non-Final OA 15d Pending Jul 25, 2024
18738362 SYSTEM AND METHOD FOR ASSISTING INDIVIDUALS IN ASSESSING AND IMPROVING THEIR BEHAVIOR REGARDING FINANCIAL AND OTHER-THAN-FINANCIAL PLANNING BASED ON THEIR PERSONAL CIRCUMSTANCES AND ASSISTING WITH IMPLEMENTING SUCH PLANS TRAN, HAI 3695 §101 Final Rejection 33d Pending Jun 10, 2024
18677155 SYSTEM AND METHOD FOR OPERATING A FAMILY OF MUTUAL FUNDS OR ETFS TRAN, CHRISTINE M 3695 §101 Final Rejection 107d overdue Pending May 29, 2024
18449266 SEARCH SPACE MINIMIZATION FOR COMPUTERIZED TIME-SERIES DATA FORECASTING SYSTEM FU, HAO 3695 §101 Final Rejection 32d overdue Pending Aug 14, 2023
18365525 SYSTEM AND METHOD FOR LIMITING PROJECT MANAGEMENT RISK WHITAKER, ANDREW B 3629 §101 Final Rejection 61d Pending Aug 04, 2023

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