Prosecution Insights
Last updated: October 02, 2026

Comenity LLC

Technology area: Transportation, E-Commerce & Mechanical Systems

13 pending office actions • 8 art units • 12 examiners • 1 of 13 (8%) have an AI response strategy ready

Analysis

Comenity LLC maintains a robust prosecution profile with 14 pending office actions focused in the Transportation, E-Commerce & Mechanical Systems technology area. This portfolio is distributed across 8 distinct art units, indicating a broad range of subject matter within the sector. The workload involves 12 distinct examiners, suggesting a diverse set of perspectives and potential prosecution timelines for the applicant to manage. This variety requires a sophisticated approach to handling multiple simultaneous patent office interactions.

The busiest examiner for the company is GREGG, MARY M, who is currently responsible for 2 pending cases. This figure is relatively low compared to the total of 14 pending office actions, demonstrating that the portfolio is not overly concentrated under a single individual. With 12 distinct examiners engaged, the prosecution strategy must account for varied examiner behaviors across 8 distinct art units. This distribution suggests that the company is actively pursuing a wide array of technological protections, necessitating coordination to ensure consistent results.

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

Portfolio Summary

13
Total Pending OAs
6
Non-Final OAs
7
Final Rejections
0
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.

6
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. 11 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (6)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.

11
Hard (85%)
2
Medium (15%)
0
Easy (0%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only6 (46%)
§101 + other5 (38%)
§103 only2 (15%)

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
13
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.

130 h
Manual time on pending OAs
26 h
Time saved (low, 20%)
46 h
Time saved (mid, 35%)
1.1 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
GREGG, MARY M 2 14.0% +14.2%
OJIAKU, CHIKAODINAKA 1 45.9% +8.5%
POINVIL, FRANTZY 1 79.0% +15.3%
SHAIKH, MOHAMMAD Z 1 52.5% +31.5%
OSMAN BILAL AHMED, AFAF 1 16.2% +14.1%
SYROWIK, MATHEW RICHARD 1 9.0% +11.7%
CHISM, STEVEN R 1 30.8% +42.3%
JUNG, HENRY H 1 22.9% +30.7%
PATEL, DIPEN M 1 20.1% +23.8%
MILLER, JAMES H 1 40.9% +36.5%

Hard Cases (11)

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
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
16591384 USING A CUSTOMER ID IN A MOBILE WALLET TO MAKE A TRANSACTION JUNG, HENRY H 2d overdue
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
17648932 ONE CARD POINVIL, FRANTZY 27d

Interview Candidates (10)

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
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
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
16591384 USING A CUSTOMER ID IN A MOBILE WALLET TO MAKE A TRANSACTION JUNG, HENRY H 2d overdue
16800632 AUTOMATIC PRICE AND/OR REWARD ADJUSTMENT BY A BRANDED CARD PROVIDER SYROWIK, MATHEW RICHARD 20d
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
3693 2
3694 2
3621 2
3696 1
3622 1
3692 1
3626 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
17385838 APPLY AND BUY WITH A CO-BRANDED VIRTUAL CARD SHAIKH, MOHAMMAD Z 3694 §101 Final Rejection 17d overdue Pending Jul 26, 2021
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
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
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
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
15164740 CLIENTELING CREDIT SUGGESTION CONFIDENCE WONG, ERIC TAK WAI 3693 §101§103 Final Rejection 31d overdue Pending May 25, 2016
14616448 PRIORITIZING CUSTOMER SERVICE CHEN, WENREN 3626 §103 Non-Final OA 27d Pending Feb 06, 2015

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