Prosecution Insights
Last updated: August 15, 2026

Comenity LLC

17 pending office actions • 12 art units • 15 examiners • 1 of 17 (6%) have an AI response strategy ready

Portfolio Summary

17
Total Pending OAs
9
Non-Final OAs
8
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.

6
Overdue
1
Due this week
5
Due this month
0
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 (6)Due ≤ 7 days (1)Due ≤ 30 days (5)

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 (82%)
3
Medium (18%)
0
Easy (0%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only10 (59%)
§101 + other4 (24%)
§103 only3 (18%)

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
17
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.

170 h
Manual time on pending OAs
34 h
Time saved (low, 20%)
59 h
Time saved (mid, 35%)
1.5 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
WONG, ERIC TAK WAI 2 50.8% +13.6%
CHEN, WENREN 2 14.1% +26.9%
OJIAKU, CHIKAODINAKA 1 45.6% +8.7%
POINVIL, FRANTZY 1 79.1% +15.9%
SHAH, BHAVIN D 1 41.2% +24.9%
SHAIKH, MOHAMMAD Z 1 52.6% +31.2%
ANDREI, RADU 1 36.8% +20.3%
OSMAN BILAL AHMED, AFAF 1 16.2% +14.4%
SYROWIK, MATHEW RICHARD 1 9.1% +11.7%
TORRICO-LOPEZ, ALAN 1 28.7% +39.5%

Hard Cases (16)

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
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
16591384 USING A CUSTOMER ID IN A MOBILE WALLET TO MAKE A TRANSACTION JUNG, HENRY H 2d overdue
16577820 TERMS AND CONDITIONS SUMMARIZING PRATT, EHRIN LARMONT 7d
17929308 CAPTURABLE CODE FOR AUTOMATICALLY FORMATTING AND ADDRESSING A TEXT MESSAGE TO APPLY FOR AN OFFER OJIAKU, CHIKAODINAKA 19d
16800632 AUTOMATIC PRICE AND/OR REWARD ADJUSTMENT BY A BRANDED CARD PROVIDER SYROWIK, MATHEW RICHARD 20d

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
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
16800632 AUTOMATIC PRICE AND/OR REWARD ADJUSTMENT BY A BRANDED CARD PROVIDER SYROWIK, MATHEW RICHARD 20d
17648932 ONE CARD POINVIL, FRANTZY 27d
15006759 CUSTOMER QUEUE PRIORITIZATION THROUGH LOCATION DETECTION CHEN, WENREN 27d
14616448 PRIORITIZING CUSTOMER SERVICE CHEN, WENREN 27d
17457648 PROVIDING A BUY NOW PAY LATER PRODUCT TO A CREDIT ACCOUNT HOLDER SHAH, BHAVIN D

Top Art Units

Art UnitApps
3693 3
3694 3
3626 2
3696 1
3697 1
3622 1
3621 1
3625 1
3695 1
3629 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
17648932 ONE CARD POINVIL, FRANTZY 3693 §101 Final Rejection 27d Pending Jan 25, 2022
17457648 PROVIDING A BUY NOW PAY LATER PRODUCT TO A CREDIT ACCOUNT HOLDER SHAH, BHAVIN D 3694 §101 Non-Final OA Pending Dec 03, 2021
17385838 APPLY AND BUY WITH A CO-BRANDED VIRTUAL CARD SHAIKH, MOHAMMAD Z 3694 §101 Final Rejection 17d overdue Pending Jul 26, 2021
16993166 PROVIDING BIOMETRIC SECURITY FOR MOBILE LOYALTY SERVICES VIA A NATIVE MOBILE APPLICATION ANDREI, RADU 3697 §101§103 Final Rejection Pending Aug 13, 2020
16838925 MIDDLE OUT LOYALTY OSMAN BILAL AHMED, AFAF 3622 §101 Non-Final OA Pending Apr 02, 2020
16800632 AUTOMATIC PRICE AND/OR REWARD ADJUSTMENT BY A BRANDED CARD PROVIDER SYROWIK, MATHEW RICHARD 3621 §101§103§112 Final Rejection 20d AI Ready Feb 25, 2020
16752384 USING ANONYMOUS CUSTOMER AND KNOWN CUSTOMER PURCHASING BEHAVIOR TO DEVELOP A MARKETING STRATEGY TORRICO-LOPEZ, ALAN 3625 §101 Non-Final OA 16d overdue Pending Jan 24, 2020
16718039 SHORT-TERM CERTIFICATE WONG, ERIC TAK WAI 3693 §101 Non-Final OA Pending Dec 17, 2019
16591384 USING A CUSTOMER ID IN A MOBILE WALLET TO MAKE A TRANSACTION JUNG, HENRY H 3695 §101§103 Non-Final OA 2d overdue Pending Oct 02, 2019
16577820 TERMS AND CONDITIONS SUMMARIZING PRATT, EHRIN LARMONT 3629 §101 Final Rejection 7d Pending Sep 20, 2019
15341988 MOBILE CREDIT ACQUISITION WITH FORM POPULATION MILLER, JAMES H 3694 §101 Non-Final OA Pending Nov 02, 2016
15164740 CLIENTELING CREDIT SUGGESTION CONFIDENCE WONG, ERIC TAK WAI 3693 §101§103 Final Rejection 31d overdue Pending May 25, 2016
15006759 CUSTOMER QUEUE PRIORITIZATION THROUGH LOCATION DETECTION CHEN, WENREN 3626 §103 Non-Final OA 27d Pending Jan 26, 2016
14738577 SEAMLESS PROGRESSION OF CREDIT RELATED PROCESSES ON A MOBILE DEVICE CAMPEN, KELLY SCAGGS 3691 §101 Non-Final OA 17d overdue Pending Jun 12, 2015
14637327 CREDIT ACCOUNT LINKING SYSTEM LUDWIG, PETER L 3627 §103 Final Rejection 19d overdue Pending Mar 03, 2015
14616448 PRIORITIZING CUSTOMER SERVICE CHEN, WENREN 3626 §103 Non-Final OA 27d Pending Feb 06, 2015

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