Prosecution Insights
Last updated: August 15, 2026

Chime Financial Inc.

15 pending office actions • 12 art units • 15 examiners • 0 of 15 (0%) have an AI response strategy ready • 18 patents granted in the last 365 days

Portfolio Summary

15
Total Pending OAs
12
Non-Final OAs
2
Final Rejections
1
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 11 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

7
Overdue
0
Due this week
3
Due this month
1
Due in next 60 days
0
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. 11 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (7)Due ≤ 30 days (3)Due ≤ 60 days (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.

9
Hard (60%)
4
Medium (27%)
2
Easy (13%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only5 (33%)
§101 + other3 (20%)
§103 only4 (27%)
§112 only1 (7%)
Double-patenting only1 (7%)
Multi-statute (no §101)1 (7%)

Industry Mix

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

0
Life Sciences
0% of docket
4
Information Tech
27% of docket
0
Communications
0% of docket
0
Semiconductors
0% of docket
10
Mechanical / Eng
67% of docket
1
Business / Other
7% 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.

150 h
Manual time on pending OAs
30 h
Time saved (low, 20%)
52 h
Time saved (mid, 35%)
1.3 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
TURCHEN, JAMES R 1 82.3% +33.6%
MILEF, ELDA G 1 40.8% +7.8%
MAGUIRE, LINDSAY M 1 51.3% +31.9%
COBB, MATTHEW 1 72.4% +35.9%
TROTTER, SCOTT S 1 63.1% +13.9%
WONG, ERIC TAK WAI 1 50.8% +13.6%
KABIR, SAAD M 1 68.4% +24.1%
KANAAN, TONY P 1 29.3% +28.6%
YI, HYUNGJUN B 1 33.3% +39.6%
SHARON, AYAL I 1 43.1% +28.4%

Quick Wins (1)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 1 ordered by deadline are shown.

App #TitleExaminerDue in
19067419 DETECTING SYNTHETIC USER ACCOUNTS USING SYNTHETIC PATTERNS LEARNED VIA MACHINE LEARNING TURCHEN, JAMES R

Hard Cases (10)

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
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 43d overdue
18153703 UTILIZING A DEPOSIT TRANSACTION PREDICTOR MODEL TO DETERMINE FUTURE NETWORK TRANSACTIONS SHARON, AYAL I 23d overdue
18354958 UTILIZING MACHINE LEARNING MODELS TO GENERATE FRAUD PREDICTIONS FOR CARD-NOT-PRESENT NETWORK TRANSACTIONS KANAAN, TONY P 17d 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
18619679 GENERATING AND UTILIZING MOVEMENT IDENTIFIERS TO IDENTIFY NETWORK TRANSACTIONS IN NETWORK TRANSACTIONS INITIATED AS SECURED DEPOSIT NETWORK TRANSACTION CHAINS TROTTER, SCOTT S 14d
18052423 PREVENTING DIGITAL FRAUD UTILIZING A FRAUD RISK TIERING SYSTEM FOR INITIAL AND ONGOING ASSESSMENT OF RISK NGUYEN, TAN D 28d
19065745 GENERATING DYNAMIC BASE LIMIT VALUE USER INTERFACE ELEMENTS DETERMINED FROM A BASE LIMIT VALUE MODEL MILEF, ELDA G 29d
18478007 GENERATING AND UTILIZING AN EXPLORATION ENVIRONMENT IN CONJUNCTION WITH A PRODUCTION ENVIRONMENT KABIR, SAAD M 33d

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
18752310 GENERATING A FRAUD PREDICTION UTILIZING A FRAUD-PREDICTION MACHINE-LEARNING MODEL COBB, MATTHEW 105d overdue
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 43d overdue
18153703 UTILIZING A DEPOSIT TRANSACTION PREDICTOR MODEL TO DETERMINE FUTURE NETWORK TRANSACTIONS SHARON, AYAL I 23d overdue
18354958 UTILIZING MACHINE LEARNING MODELS TO GENERATE FRAUD PREDICTIONS FOR CARD-NOT-PRESENT NETWORK TRANSACTIONS KANAAN, TONY P 17d overdue
18619679 GENERATING AND UTILIZING MOVEMENT IDENTIFIERS TO IDENTIFY NETWORK TRANSACTIONS IN NETWORK TRANSACTIONS INITIATED AS SECURED DEPOSIT NETWORK TRANSACTION CHAINS TROTTER, SCOTT S 14d
18478007 GENERATING AND UTILIZING AN EXPLORATION ENVIRONMENT IN CONJUNCTION WITH A PRODUCTION ENVIRONMENT KABIR, SAAD M 33d
19067419 DETECTING SYNTHETIC USER ACCOUNTS USING SYNTHETIC PATTERNS LEARNED VIA MACHINE LEARNING TURCHEN, JAMES R
18438818 GENERATING CREDIT BUILDING RECOMMENDATIONS THROUGH MACHINE LEARNING ANALYSIS OF USER ACTIVITY-BASED FEEDBACK WONG, ERIC TAK WAI

Top Art Units

Art UnitApps
3694 2
3696 2
3619 1
3661 1
3693 1
2119 1
2146 1
3695 1
3629 1
3698 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19067419 DETECTING SYNTHETIC USER ACCOUNTS USING SYNTHETIC PATTERNS LEARNED VIA MACHINE LEARNING TURCHEN, JAMES R §103 Non-Final OA Pending Feb 28, 2025
19065745 GENERATING DYNAMIC BASE LIMIT VALUE USER INTERFACE ELEMENTS DETERMINED FROM A BASE LIMIT VALUE MODEL MILEF, ELDA G 3694 §101Other Non-Final OA 29d Pending Feb 27, 2025
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 3619 §101§112 Non-Final OA 43d overdue Pending Aug 23, 2024
18752310 GENERATING A FRAUD PREDICTION UTILIZING A FRAUD-PREDICTION MACHINE-LEARNING MODEL COBB, MATTHEW 3661 DP Non-Final OA 105d overdue Pending Jun 24, 2024
18619679 GENERATING AND UTILIZING MOVEMENT IDENTIFIERS TO IDENTIFY NETWORK TRANSACTIONS IN NETWORK TRANSACTIONS INITIATED AS SECURED DEPOSIT NETWORK TRANSACTION CHAINS TROTTER, SCOTT S 3696 §101 Final Rejection 14d Pending Mar 28, 2024
18438818 GENERATING CREDIT BUILDING RECOMMENDATIONS THROUGH MACHINE LEARNING ANALYSIS OF USER ACTIVITY-BASED FEEDBACK WONG, ERIC TAK WAI 3693 §101 Final Rejection Pending Feb 12, 2024
18478007 GENERATING AND UTILIZING AN EXPLORATION ENVIRONMENT IN CONJUNCTION WITH A PRODUCTION ENVIRONMENT KABIR, SAAD M 2119 §102§112 Non-Final OA 33d Pending Sep 29, 2023
18354958 UTILIZING MACHINE LEARNING MODELS TO GENERATE FRAUD PREDICTIONS FOR CARD-NOT-PRESENT NETWORK TRANSACTIONS KANAAN, TONY P 3696 §112 Non-Final OA 17d overdue Pending Jul 19, 2023
18333884 UTILIZING MACHINE LEARNING MODELS TO INTELLIGENTLY TRANSMIT PRE-EMPTIVE DIGITAL NOTIFICATIONS TO CLIENT DEVICES ACROSS COMPUTER NETWORKS YI, HYUNGJUN B 2146 §101§103 Non-Final OA Pending Jun 13, 2023
18153703 UTILIZING A DEPOSIT TRANSACTION PREDICTOR MODEL TO DETERMINE FUTURE NETWORK TRANSACTIONS SHARON, AYAL I 3695 §101 Non-Final OA 23d overdue Pending Jan 12, 2023
18052423 PREVENTING DIGITAL FRAUD UTILIZING A FRAUD RISK TIERING SYSTEM FOR INITIAL AND ONGOING ASSESSMENT OF RISK NGUYEN, TAN D 3629 §101§103 Non-Final OA 28d Pending Nov 03, 2022
17664776 GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL PARK, YONG S 3694 §101 Non-Final OA 9d overdue Pending May 24, 2022
17590743 DETECTING DIGITAL HARVESTING UTILIZING A DYNAMIC TRANSACTION REQUEST FRAUD DETECTION MODEL STEVENSON, CHRISTINA C 3698 §103 Non-Final OA 29d overdue Pending Feb 01, 2022
17578222 TRAINING AND IMPLEMENTING MACHINE-LEARNING MODELS UTILIZING MODEL CONTAINER WORKFLOWS TRIEU, EM N 2128 §103 Non-Final OA Pending Jan 18, 2022
17554795 UTILIZING MACHINE LEARNING MODELS TO PREDICT CLIENT DISPOSITIONS AND GENERATE ADAPTIVE AUTOMATED INTERACTION RESPONSES JUNG, ANDREW J 2175 §103 Non-Final OA 44d overdue Pending Dec 17, 2021

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