Prosecution Insights
Last updated: May 29, 2026

Chime Financial Inc.

21 pending office actions • 17 art units • 21 examiners • 0 of 21 (0%) have an AI response strategy ready • 17 patents granted in the last 365 days

Portfolio Summary

21
Total Pending OAs
10
Non-Final OAs
11
Final Rejections
0
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 21 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

16
Overdue
0
Due this week
4
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. 21 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (16)Due ≤ 30 days (4)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.

8
Hard (38%)
10
Medium (48%)
1
Easy (5%)
2
Unknown (10%)

Rejection Statute Mix

BucketCases
§101 only8 (38%)
§103 only9 (43%)
§102 only1 (5%)
§112 only1 (5%)
No statute on record2 (10%)

Industry Mix

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

0
Life Sciences
0% of docket
7
Information Tech
33% of docket
0
Communications
0% of docket
0
Semiconductors
0% of docket
14
Mechanical / Eng
67% 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.

210 h
Manual time on pending OAs
42 h
Time saved (low, 20%)
74 h
Time saved (mid, 35%)
1.8 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
MILEF, ELDA G 1 40.5% +8.0%
WALDRON, SCOTT A 1 81.6% +30.7%
LE, HUNG D 1 90.2% +6.1%
GAW, MARK H 1 49.7% +59.6%
MAGUIRE, LINDSAY M 1 51.3% +32.1%
COBB, MATTHEW 1 71.9% +35.4%
TROTTER, SCOTT S 1 62.8% +14.2%
MILLER, JAMES H 1 40.5% +34.2%
WORJLOH, JALATEE 1 63.3% +38.4%
CHANG, EDWARD 1 63.4% +32.8%

Quick Wins (2)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 2 ordered by deadline are shown.

App #TitleExaminerDue in
18821828 TRANSFORMING DATA METRICS TO MAINTAIN COMPATIBILITY IN AN ENTERPRISE DATA WAREHOUSE LE, HUNG D 70d overdue
18982511 UTILIZING ASYNCHRONOUS DOUBLE-WRITES TO MIGRATE DATA BETWEEN DATABASES WALDRON, SCOTT A 60d overdue

Hard Cases (8)

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
18816897 GENERATING TRANSACTION VECTORS FOR FACILITATING NETWORK TRANSACTIONS GAW, MARK H 56d overdue
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 43d overdue
18057874 DYNAMICALLY EXECUTING DATA SOURCE AGNOSTIC DATA PIPELINE CONFIGURATIONS RIGGINS, ARI FAITH COLEMA 32d overdue
18520144 MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS MILLER, JAMES H 23d overdue
18153703 UTILIZING A DEPOSIT TRANSACTION PREDICTOR MODEL TO DETERMINE FUTURE NETWORK TRANSACTIONS SHARON, AYAL I 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
18619679 GENERATING AND UTILIZING MOVEMENT IDENTIFIERS TO IDENTIFY NETWORK TRANSACTIONS IN NETWORK TRANSACTIONS INITIATED AS SECURED DEPOSIT NETWORK TRANSACTION CHAINS TROTTER, SCOTT S 14d
18515767 GENERATING USER INTERFACES COMPRISING A UNIVERSAL DYNAMIC BASE LIMIT VALUE REFLECTING TRANSACTIONS WITHIN ONE OR MORE TRANSACTION ACCOUNTS CHANG, EDWARD 22d

Interview Candidates (8)

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
18516545 SECURE DATA TRANSFORMATION AND MERGING SYSTEM WORJLOH, JALATEE 92d overdue
18982511 UTILIZING ASYNCHRONOUS DOUBLE-WRITES TO MIGRATE DATA BETWEEN DATABASES WALDRON, SCOTT A 60d overdue
18816897 GENERATING TRANSACTION VECTORS FOR FACILITATING NETWORK TRANSACTIONS GAW, MARK H 56d overdue
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 43d overdue
18520144 MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS MILLER, JAMES H 23d 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
18515767 GENERATING USER INTERFACES COMPRISING A UNIVERSAL DYNAMIC BASE LIMIT VALUE REFLECTING TRANSACTIONS WITHIN ONE OR MORE TRANSACTION ACCOUNTS CHANG, EDWARD 22d

Top Art Units

Art UnitApps
3694 3
3696 3
2152 1
2161 1
3693 1
3619 1
3661 1
3697 1
3692 1
2119 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19065745 GENERATING DYNAMIC BASE LIMIT VALUE USER INTERFACE ELEMENTS DETERMINED FROM A BASE LIMIT VALUE MODEL MILEF, ELDA G 3694 Other Non-Final OA 29d Pending Feb 27, 2025
18982511 UTILIZING ASYNCHRONOUS DOUBLE-WRITES TO MIGRATE DATA BETWEEN DATABASES WALDRON, SCOTT A 2152 §103 Final Rejection 60d overdue Pending Dec 16, 2024
18821828 TRANSFORMING DATA METRICS TO MAINTAIN COMPATIBILITY IN AN ENTERPRISE DATA WAREHOUSE LE, HUNG D 2161 §103 Final Rejection 70d overdue Pending Aug 30, 2024
18816897 GENERATING TRANSACTION VECTORS FOR FACILITATING NETWORK TRANSACTIONS GAW, MARK H 3693 §101 Final Rejection 56d overdue Pending Aug 27, 2024
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 3619 §101 Final Rejection 43d overdue Pending Aug 23, 2024
18752310 GENERATING A FRAUD PREDICTION UTILIZING A FRAUD-PREDICTION MACHINE-LEARNING MODEL COBB, MATTHEW 3661 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
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
18516545 SECURE DATA TRANSFORMATION AND MERGING SYSTEM WORJLOH, JALATEE 3697 §103 Final Rejection 92d overdue Pending Nov 21, 2023
18515767 GENERATING USER INTERFACES COMPRISING A UNIVERSAL DYNAMIC BASE LIMIT VALUE REFLECTING TRANSACTIONS WITHIN ONE OR MORE TRANSACTION ACCOUNTS CHANG, EDWARD 3696 §101 Non-Final OA 22d Pending Nov 21, 2023
18498719 UTILIZING A DIGITAL DIRECT DEPOSIT PREDICTOR MACHINE-LEARNING MODEL TO DETERMINE RISK FOR A NETWORK TRANSACTION COMPRISING A DIGITAL DIRECT DEPOSIT ADVANCE BORLINGHAUS, JASON M 3692 §103 Non-Final OA 26d overdue Pending Oct 31, 2023
18478007 GENERATING AND UTILIZING AN EXPLORATION ENVIRONMENT IN CONJUNCTION WITH A PRODUCTION ENVIRONMENT KABIR, SAAD M 2119 §102 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
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
18153077 EVENT FANNING PLATFORM FOR STREAMING NETWORK EVENT DATA TO CONSUMER APPLICATIONS BULLOCK JR, LEWIS ALEXANDER 2199 §103 Final Rejection 91d overdue Pending Jan 11, 2023
18057874 DYNAMICALLY EXECUTING DATA SOURCE AGNOSTIC DATA PIPELINE CONFIGURATIONS RIGGINS, ARI FAITH COLEMA 2197 §101 Final Rejection 32d overdue Pending Nov 22, 2022
18052423 PREVENTING DIGITAL FRAUD UTILIZING A FRAUD RISK TIERING SYSTEM FOR INITIAL AND ONGOING ASSESSMENT OF RISK NGUYEN, TAN D 3629 §103 Non-Final OA 28d Pending Nov 03, 2022
17808910 UTILIZING SELECTIVE TRANSFORMATION AND REPLACEMENT WITH HIGH-DIMENSIONALITY PROJECTION LAYERS TO IMPLEMENT NEURAL NETWORKS IN TABULAR DATA ENVIRONMENTS BEAN, GRIFFIN TANNER 2121 §103 Final Rejection 5d overdue Pending Jun 24, 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 Final Rejection 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
17554795 UTILIZING MACHINE LEARNING MODELS TO PREDICT CLIENT DISPOSITIONS AND GENERATE ADAPTIVE AUTOMATED INTERACTION RESPONSES JUNG, ANDREW J 2175 §103 Final Rejection 44d overdue Pending Dec 17, 2021

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