Prosecution Insights
Last updated: October 25, 2026

Comenity LLC

Technology area: Transportation, E-Commerce & Mechanical Systems

15 pending office actions • 10 art units • 13 examiners • 0 of 15 (0%) have an AI response strategy ready

Analysis

Comenity LLC has 15 pending office actions in Transportation, E-Commerce & Mechanical Systems. The matters are distributed among 13 examiners and 10 art units, indicating a prosecution workload spread across many examination assignments rather than a single centralized channel.

GREGG, MARY M is the busiest examiner, with 2 pending matters. That assignment is the clearest concentration point in the available data, but it does not account for the broader distribution. Portfolio management should therefore combine matter-level tracking with examiner and art-unit review.

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

Portfolio Summary

15
Total Pending OAs
6
Non-Final OAs
9
Final Rejections
0
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 12 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

9
Overdue
0
Due this week
2
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. 12 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (9)Due ≤ 30 days (2)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.

14
Hard (93%)
1
Medium (7%)
0
Easy (0%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only9 (60%)
§101 + other4 (27%)
§103 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
0
Information Tech
0% of docket
0
Communications
0% of docket
0
Semiconductors
0% of docket
15
Mechanical / Eng
100% 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.

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
GREGG, MARY M 2 14.0% +14.2%
MILLER, JAMES H 2 41.1% +36.8%
OJIAKU, CHIKAODINAKA 1 46.0% +8.8%
HAMILTON, SARA CHANDLER 1 64.0% +52.8%
POINVIL, FRANTZY 1 78.5% +15.1%
SHAIKH, MOHAMMAD Z 1 52.4% +31.4%
TORRICO-LOPEZ, ALAN 1 29.3% +37.3%
CHISM, STEVEN R 1 30.8% +42.3%
PATEL, DIPEN M 1 20.0% +23.7%
WONG, ERIC TAK WAI 1 50.6% +13.1%

Hard Cases (14)

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
15164740 CLIENTELING CREDIT SUGGESTION CONFIDENCE WONG, ERIC TAK WAI 31d overdue
14637327 CREDIT ACCOUNT LINKING SYSTEM LUDWIG, PETER L 19d overdue
17385838 APPLY AND BUY WITH A CO-BRANDED VIRTUAL CARD SHAIKH, MOHAMMAD Z 17d overdue
14738577 SEAMLESS PROGRESSION OF CREDIT RELATED PROCESSES ON A MOBILE DEVICE CAMPEN, KELLY SCAGGS 17d overdue
16752384 USING ANONYMOUS CUSTOMER AND KNOWN CUSTOMER PURCHASING BEHAVIOR TO DEVELOP A MARKETING STRATEGY TORRICO-LOPEZ, ALAN 16d overdue
16745122 TWO DEVICE AUTHENTICATION FOR A CREDIT APPLICATION GREGG, MARY M 9d overdue
16042142 INTERMEDIARY TO MANAGE A POINT EXCHANGE ACROSS A PLURALITY OF DIFFERENT REWARD PROGRAMS PATEL, DIPEN M 3d overdue
14841574 PROVIDING MOBILE LOYALTY SERVICES IN A GEO-FENCING AREA VIA A SINGLE NATIVE MOBILE APPLICATION ANDREI, RADU 3d overdue

Interview Candidates (11)

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
15164740 CLIENTELING CREDIT SUGGESTION CONFIDENCE WONG, ERIC TAK WAI 31d overdue
15394690 SEAMLESS INTEGRATION OF FINANCIAL INFORMATION WITHIN A MOBILE RETAIL APPLICATION FRAMEWORK MILLER, JAMES H 23d overdue
17385838 APPLY AND BUY WITH A CO-BRANDED VIRTUAL CARD SHAIKH, MOHAMMAD Z 17d overdue
16752384 USING ANONYMOUS CUSTOMER AND KNOWN CUSTOMER PURCHASING BEHAVIOR TO DEVELOP A MARKETING STRATEGY TORRICO-LOPEZ, ALAN 16d overdue
16745122 TWO DEVICE AUTHENTICATION FOR A CREDIT APPLICATION GREGG, MARY M 9d overdue
16042142 INTERMEDIARY TO MANAGE A POINT EXCHANGE ACROSS A PLURALITY OF DIFFERENT REWARD PROGRAMS PATEL, DIPEN M 3d overdue
17648932 ONE CARD POINVIL, FRANTZY 27d
16694904 CUSTOMER ACQUISITION WITHOUT INITIALLY RECEIVING PERSONALLY IDENTIFIABLE INFORMATION (PII) CHISM, STEVEN R 48d

Top Art Units

Art UnitApps
3695 3
3694 3
3693 2
3696 1
3625 1
3692 1
3621 1
3697 1
3691 1
3627 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
17929308 CAPTURABLE CODE FOR AUTOMATICALLY FORMATTING AND ADDRESSING A TEXT MESSAGE TO APPLY FOR AN OFFER OJIAKU, CHIKAODINAKA 3696 §101 Final Rejection 19d Pending Sep 01, 2022
17804087 PROVIDING A CUSTOMER WITH A NUMBER OF PAYMENT SCENARIOS HAMILTON, SARA CHANDLER 3695 §101 Non-Final OA — Pending May 25, 2022
17648932 ONE CARD POINVIL, FRANTZY 3693 §101 Final Rejection 27d Pending Jan 25, 2022
17385838 APPLY AND BUY WITH A CO-BRANDED VIRTUAL CARD SHAIKH, MOHAMMAD Z 3694 §101 Final Rejection 17d overdue Pending Jul 26, 2021
16752384 USING ANONYMOUS CUSTOMER AND KNOWN CUSTOMER PURCHASING BEHAVIOR TO DEVELOP A MARKETING STRATEGY TORRICO-LOPEZ, ALAN 3625 §101 Final Rejection 16d overdue Pending Jan 24, 2020
16745122 TWO DEVICE AUTHENTICATION FOR A CREDIT APPLICATION GREGG, MARY M 3695 §101§103 Non-Final OA 9d overdue Pending Jan 16, 2020
16694904 CUSTOMER ACQUISITION WITHOUT INITIALLY RECEIVING PERSONALLY IDENTIFIABLE INFORMATION (PII) CHISM, STEVEN R 3692 §101§112 Non-Final OA 48d Pending Nov 25, 2019
16595189 OUT-OF-BAND VERIFICATION FOR AN ELECTRONIC APPLICATION GREGG, MARY M 3695 §101 Non-Final OA — Pending Oct 07, 2019
16042142 INTERMEDIARY TO MANAGE A POINT EXCHANGE ACROSS A PLURALITY OF DIFFERENT REWARD PROGRAMS PATEL, DIPEN M 3621 §101 Final Rejection 3d overdue Pending Jul 23, 2018
15394690 SEAMLESS INTEGRATION OF FINANCIAL INFORMATION WITHIN A MOBILE RETAIL APPLICATION FRAMEWORK MILLER, JAMES H 3694 §103 Final Rejection 23d overdue Pending Dec 29, 2016
15341988 MOBILE CREDIT ACQUISITION WITH FORM POPULATION MILLER, JAMES H 3694 §101 Final Rejection — Pending Nov 02, 2016
15164740 CLIENTELING CREDIT SUGGESTION CONFIDENCE WONG, ERIC TAK WAI 3693 §101§103 Final Rejection 31d overdue Pending May 25, 2016
14841574 PROVIDING MOBILE LOYALTY SERVICES IN A GEO-FENCING AREA VIA A SINGLE NATIVE MOBILE APPLICATION ANDREI, RADU 3697 §101§103 Non-Final OA 3d overdue Pending Aug 31, 2015
14738577 SEAMLESS PROGRESSION OF CREDIT RELATED PROCESSES ON A MOBILE DEVICE CAMPEN, KELLY SCAGGS 3691 §101 Final Rejection 17d overdue Pending Jun 12, 2015
14637327 CREDIT ACCOUNT LINKING SYSTEM LUDWIG, PETER L 3627 §103§112 Non-Final OA 19d overdue Pending Mar 03, 2015

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Frequently Asked Questions

How many pending USPTO office actions does Comenity LLC have?

Comenity LLC has 15 pending office actions as of October 2026, spread across 10 art units and 13 examiners.

Which USPTO examiner handles the most Comenity LLC applications?

Mary M Gregg has the most, with 2 of Comenity LLC's pending office actions.

What technology area are Comenity 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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