Prosecution Insights
Last updated: October 02, 2026

Equifax Inc.

Technology area: Computing & Software

17 pending office actions • 11 art units • 17 examiners • 0 of 17 (0%) have an AI response strategy ready • 18 patents granted in the last 365 days

Analysis

Equifax Inc. is currently managing 18 pending office actions in the Computing & Software technology area. These actions are spread across 12 distinct art units, reflecting the diverse applications of their data and software solutions. The portfolio is highly decentralized, with 18 distinct examiners assigned to the 18 pending office actions, which requires a highly individualized approach to each application.

Matthew Cobb is the busiest examiner for Equifax, though he currently manages only 1 pending office action. This confirms the total lack of examiner concentration across the 18 pending office actions. The distribution across 12 distinct art units further highlights the broad technical scope of the company's software, requiring specialized legal expertise for each of the distinct examiners involved to ensure that every unique data or software innovation is properly protected across the USPTO.

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

Portfolio Summary

17
Total Pending OAs
8
Non-Final OAs
7
Final Rejections
2
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 7 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

2
Overdue
0
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. 7 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (2)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.

4
Hard (24%)
9
Medium (53%)
4
Easy (24%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only1 (6%)
§101 + other2 (12%)
§103 only7 (41%)
§102 only1 (6%)
§112 only1 (6%)
Double-patenting only3 (18%)
Double-patenting + other1 (6%)
Multi-statute (no §101)1 (6%)

Industry Mix

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

0
Life Sciences
0% of docket
9
Information Tech
53% of docket
1
Communications
6% of docket
0
Semiconductors
0% of docket
1
Mechanical / Eng
6% of docket
6
Business / Other
35% 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
COBB, MATTHEW 1 72.9% +35.2%
REZA, MOHAMMAD W 1 87.5% +11.2%
THIEU, BENJAMIN M 1 84.3% +15.3%
PYZOCHA, MICHAEL J 1 80.2% +17.3%
NGUYEN, NGA B 1 53.0% +25.2%
STEINLE, ANDREW J 1 87.6% +19.4%
TOKUTA, SHEAN S 1 79.7% +16.2%
HAN, BYUNGKWON 1 33.3% +62.5%
TONG, JUSTIN CHE-CHUN 1 45.5% +32.7%
CHEUNG, HUBERT G 1 63.4% +47.5%

Quick Wins (3)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 3 ordered by deadline are shown.

App #TitleExaminerDue in
19233644 REAL-TIME SERVICING OF VERIFICATION QUERIES USING HYBRID DATA SOURCES REZA, MOHAMMAD W —
19191573 DATA TRANSFORMATION TECHNIQUES FOR EVENT DATA IN MULTI-SYSTEM COMPUTING ENVIRONMENTS THIEU, BENJAMIN M —
19059907 HISTORICAL RISK ASSESSMENT FOR RISK MITIGATION IN ONLINE ACCESS CONTROL STEINLE, ANDREW J —

Hard Cases (4)

Multi-statute / §101-driven matters, or cases in front of an examiner with an allow rate under 30%. The top 4 ordered by deadline are shown.

App #TitleExaminerDue in
17455015 BAYESIAN MODELING FOR RISK ASSESSMENT BASED ON INTEGRATING INFORMATION FROM DYNAMIC DATA SOURCES HADDAD, MAJD MAHER 26d
19301049 CONSOLIDATION OF DATA SOURCES FOR EXPEDITED VALIDATION OF RISK ASSESSMENT DATA COBB, MATTHEW —
19175584 TECHNIQUES FOR CONTROLLING ACCESS TO COMPUTING SYSTEMS BASED ON A RISK SCORE PYZOCHA, MICHAEL J —
18719076 EXPLAINABLE MACHINE LEARNING BASED ON WAVELET ANALYSIS HAN, BYUNGKWON —

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
18644810 SECURE RESOURCE MANAGEMENT TO PREVENT RESOURCE ABUSE TONG, JUSTIN CHE-CHUN 8d
19301049 CONSOLIDATION OF DATA SOURCES FOR EXPEDITED VALIDATION OF RISK ASSESSMENT DATA COBB, MATTHEW —
19233644 REAL-TIME SERVICING OF VERIFICATION QUERIES USING HYBRID DATA SOURCES REZA, MOHAMMAD W —
19191573 DATA TRANSFORMATION TECHNIQUES FOR EVENT DATA IN MULTI-SYSTEM COMPUTING ENVIRONMENTS THIEU, BENJAMIN M —
19175584 TECHNIQUES FOR CONTROLLING ACCESS TO COMPUTING SYSTEMS BASED ON A RISK SCORE PYZOCHA, MICHAEL J —
19097358 AUTOMATED PATH-BASED RECOMMENDATION FOR RISK MITIGATION NGUYEN, NGA B —
19059907 HISTORICAL RISK ASSESSMENT FOR RISK MITIGATION IN ONLINE ACCESS CONTROL STEINLE, ANDREW J —
18950422 DATA VALIDATION TECHNIQUES FOR SENSITIVE DATA MIGRATION ACROSS MULTIPLE PLATFORMS TOKUTA, SHEAN S —

Top Art Units

Art UnitApps
2453 1
3625 1
2196 1
2152 1
2439 1
2194 1
2144 1
2655 1
2121 1
2147 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19301049 CONSOLIDATION OF DATA SOURCES FOR EXPEDITED VALIDATION OF RISK ASSESSMENT DATA COBB, MATTHEW — §102§103 Non-Final OA — Pending Aug 15, 2025
19233644 REAL-TIME SERVICING OF VERIFICATION QUERIES USING HYBRID DATA SOURCES REZA, MOHAMMAD W — §103Other Non-Final OA — Pending Jun 10, 2025
19191573 DATA TRANSFORMATION TECHNIQUES FOR EVENT DATA IN MULTI-SYSTEM COMPUTING ENVIRONMENTS THIEU, BENJAMIN M 2453 DP Non-Final OA — Pending Apr 28, 2025
19175584 TECHNIQUES FOR CONTROLLING ACCESS TO COMPUTING SYSTEMS BASED ON A RISK SCORE PYZOCHA, MICHAEL J — §101§102§103 Non-Final OA — Pending Apr 10, 2025
19097358 AUTOMATED PATH-BASED RECOMMENDATION FOR RISK MITIGATION NGUYEN, NGA B 3625 DP Non-Final OA — Pending Apr 01, 2025
19059907 HISTORICAL RISK ASSESSMENT FOR RISK MITIGATION IN ONLINE ACCESS CONTROL STEINLE, ANDREW J — DP Non-Final OA — Pending Feb 21, 2025
18950422 DATA VALIDATION TECHNIQUES FOR SENSITIVE DATA MIGRATION ACROSS MULTIPLE PLATFORMS TOKUTA, SHEAN S — §103DP Non-Final OA — Pending Nov 18, 2024
18719076 EXPLAINABLE MACHINE LEARNING BASED ON WAVELET ANALYSIS HAN, BYUNGKWON — §101§103§112 Non-Final OA — Pending Jun 12, 2024
18644810 SECURE RESOURCE MANAGEMENT TO PREVENT RESOURCE ABUSE TONG, JUSTIN CHE-CHUN 2196 §103Other Final Rejection 8d Pending Apr 24, 2024
18700797 FRAGMENTED RECORD DETECTION BASED ON RECORDS MATCHING TECHNIQUES CHEUNG, HUBERT G 2152 §103 Final Rejection — Pending Apr 12, 2024
18365781 SIMILARITY HASHING FOR ACCESS CONTROL SKWIERAWSKI, PAUL J 2439 §102 Non-Final OA — Pending Aug 04, 2023
18348970 TECHNIQUES FOR MITIGATING BACK PRESSURE, AUTO-SCALING THROUGHPUT, AND CONCURRENCY SCALING IN LARGE-SCALE AUTOMATED EVENT-DRIVEN DATA PIPELINES ANYA, CHARLES E 2194 §103 Final Rejection 12d Pending Jul 07, 2023
18252660 EXPLAINABLE MACHINE-LEARNING MODELING USING WAVELET PREDICTOR VARIABLE DATA WONG, WILLIAM 2144 §103 Final Rejection 23d Pending May 11, 2023
18194982 APPLYING NATURAL LANGUAGE PROCESSING (NLP) TECHNIQUES TO TIME SERIES DATA TO DERIVE ATTRIBUTES FOR USE WITH A MACHINE-LEARNING MODEL COLUCCI, MICHAEL C 2655 §103 Final Rejection 9d overdue Pending Apr 03, 2023
18006384 MACHINE-LEARNING TECHNIQUES FOR FACTOR-LEVEL MONOTONIC NEURAL NETWORKS VASQUEZ, MARKUS A 2121 §112 Non-Final OA 161d overdue Pending Jan 20, 2023
17645517 MACHINE-LEARNING TECHNIQUES FOR TIME-DELAY NEURAL NETWORKS LEY, SALLY THI 2147 §103 Final Rejection 13d Pending Dec 22, 2021
17455015 BAYESIAN MODELING FOR RISK ASSESSMENT BASED ON INTEGRATING INFORMATION FROM DYNAMIC DATA SOURCES HADDAD, MAJD MAHER 2125 §101 Final Rejection 26d Pending Nov 15, 2021

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