Technology area: Transportation, E-Commerce & Mechanical Systems
6 pending office actions • 4 art units • 6 examiners • 0 of 6 (0%) have an AI response strategy ready • 13 patents granted in the last 365 days
Chime Financial Inc. has 5 pending office actions in Transportation, E-Commerce & Mechanical Systems. The matters involve 5 examiners and 4 art units, indicating distinct examiner relationships with some technical-unit overlap.
POLLOCK, GREGORY A is the busiest examiner, with 1 pending matter. Counsel should track each matter separately while using art-unit review to identify any shared prosecution issues.
Based on the USPTO statutory response window for each pending office action. 3 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.
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. 3 of the docket's apps have a known mailing date.
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 only | 3 (50%) |
| §101 + other | 2 (33%) |
| Multi-statute (no §101) | 1 (17%) |
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 |
|---|---|---|---|
| BUNKER, WILLIAM B | 1 | 79.8% | +94.4% |
| POLLOCK, GREGORY A | 1 | 11.0% | +12.5% |
| MILLER, JAMES H | 1 | 41.1% | +36.8% |
| POPHAM, JEFFREY D | 1 | 37.7% | +23.9% |
| GARNER, CASEY R | 1 | 71.2% | +17.1% |
| PARK, YONG S | 1 | 25.8% | +11.4% |
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 # | Title | Examiner | Due in |
|---|---|---|---|
| 18363312 | DIGITAL SECURITY PLATFORM FOR ELEVATING COMPUTING DEVICE SECURITY CHALLENGES FOR NETWORK EVENTS | POPHAM, JEFFREY D | 71d overdue |
| 18520144 | MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS | MILLER, JAMES H | 23d overdue |
| 17664776 | GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL | PARK, YONG S | 9d overdue |
| 19306714 | DYNAMIC GENERATION OF DIGITAL MESSAGES WITH UNIQUE LINKS FOR DIRECT TO MERCHANT PAYMENTS | BUNKER, WILLIAM B | — |
| 19094344 | UTILIZING A VISION-LANGUAGE MODEL FOR MOBILE DEPOSIT DECISIONING | POLLOCK, GREGORY A | — |
| 18353633 | UTILIZING DYNAMIC DATA SAMPLING TO IMPLEMENT MACHINE LEARNING MODELS FOR PROJECTING RECURRENCE OF PERIODIC EVENTS | GARNER, CASEY R | — |
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 6 ordered by deadline are shown.
| App # | Title | Examiner | Due in |
|---|---|---|---|
| 18363312 | DIGITAL SECURITY PLATFORM FOR ELEVATING COMPUTING DEVICE SECURITY CHALLENGES FOR NETWORK EVENTS | POPHAM, JEFFREY D | 71d overdue |
| 18520144 | MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS | MILLER, JAMES H | 23d overdue |
| 17664776 | GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL | PARK, YONG S | 9d overdue |
| 19306714 | DYNAMIC GENERATION OF DIGITAL MESSAGES WITH UNIQUE LINKS FOR DIRECT TO MERCHANT PAYMENTS | BUNKER, WILLIAM B | — |
| 19094344 | UTILIZING A VISION-LANGUAGE MODEL FOR MOBILE DEPOSIT DECISIONING | POLLOCK, GREGORY A | — |
| 18353633 | UTILIZING DYNAMIC DATA SAMPLING TO IMPLEMENT MACHINE LEARNING MODELS FOR PROJECTING RECURRENCE OF PERIODIC EVENTS | GARNER, CASEY R | — |
| Art Unit | Apps |
|---|---|
| 3691 | 2 |
| 3694 | 2 |
| 2432 | 1 |
| 2123 | 1 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 19306714 | DYNAMIC GENERATION OF DIGITAL MESSAGES WITH UNIQUE LINKS FOR DIRECT TO MERCHANT PAYMENTS | BUNKER, WILLIAM B | 3691 | §101§103 | Final Rejection | — | Pending | Aug 21, 2025 |
| 19094344 | UTILIZING A VISION-LANGUAGE MODEL FOR MOBILE DEPOSIT DECISIONING | POLLOCK, GREGORY A | 3691 | §101§103 | Final Rejection | — | Pending | Mar 28, 2025 |
| 18520144 | MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS | MILLER, JAMES H | 3694 | §101 | Non-Final OA | 23d overdue | Pending | Nov 27, 2023 |
| 18363312 | DIGITAL SECURITY PLATFORM FOR ELEVATING COMPUTING DEVICE SECURITY CHALLENGES FOR NETWORK EVENTS | POPHAM, JEFFREY D | 2432 | §102§103§112 | Non-Final OA | 71d overdue | Pending | Aug 01, 2023 |
| 18353633 | UTILIZING DYNAMIC DATA SAMPLING TO IMPLEMENT MACHINE LEARNING MODELS FOR PROJECTING RECURRENCE OF PERIODIC EVENTS | GARNER, CASEY R | 2123 | §101 | Final Rejection | — | Pending | Jul 17, 2023 |
| 17664776 | GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL | PARK, YONG S | 3694 | §101 | Final Rejection | 9d overdue | Pending | May 24, 2022 |
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Start Free TrialChime Financial Inc. has 6 pending office actions as of October 2026, spread across 4 art units and 6 examiners.
William B Bunker has the most, with 1 of Chime Financial Inc.'s pending office actions.
Mostly Transportation, E-Commerce & Mechanical Systems (USPTO Tech Center 3600), based on where its pending office actions are examined.
