Prosecution Insights
Last updated: May 29, 2026

Mastercard International Incorporated

108 pending office actions • 37 art units • 86 examiners • 0 of 108 (0%) have an AI response strategy ready • 153 patents granted in the last 365 days

Portfolio Summary

108
Total Pending OAs
61
Non-Final OAs
31
Final Rejections
16
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 103 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

44
Overdue
2
Due this week
32
Due this month
20
Due in next 60 days
5
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. 103 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (44)Due ≤ 7 days (2)Due ≤ 30 days (32)Due ≤ 60 days (20)Due later (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.

37
Hard (34%)
63
Medium (58%)
4
Easy (4%)
4
Unknown (4%)

Rejection Statute Mix

BucketCases
§101 only37 (34%)
§103 only61 (56%)
§102 only2 (2%)
§112 only4 (4%)
No statute on record4 (4%)

Industry Mix

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

0
Life Sciences
0% of docket
16
Information Tech
15% of docket
1
Communications
1% of docket
0
Semiconductors
0% of docket
90
Mechanical / Eng
83% of docket
1
Business / Other
1% 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.

1,080 h
Manual time on pending OAs
216 h
Time saved (low, 20%)
378 h
Time saved (mid, 35%)
9.4 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
GREGG, MARY M 6 14.1% +14.2%
PARK, YONG S 3 25.8% +11.8%
YONO, RAVEN E 3 39.5% +33.2%
ZELASKIEWICZ, CHRYSTINA E 2 31.3% +35.3%
KUO, CHENYUH 2 73.2% +53.9%
RAZA, ZEHRA 2 44.5% +49.4%
WORJLOH, JALATEE 2 63.3% +38.4%
AKINTOLA, OLABODE 2 50.3% +8.9%
CHISM, STEVEN R 2 31.1% +42.9%
CRAWLEY, TALIA F 2 48.3% +25.8%

Hard Cases (43)

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
18353517 RAPID SECURE WIRELESS TRANSACTION PARK, YONG S 58d overdue
18151947 SYSTEMS AND METHODS FOR VALIDATING REPEATING DATA RANKINS, WILLIAM E 56d overdue
18522086 DISTRIBUTED NETWORK OF COMPUTING DEVICES FOR CREATING DIGITAL RECORDS OF PHYSICAL ITEMS WARDEN, MICHAEL J 46d overdue
18920645 GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY PARK, YONG S 42d overdue
18349699 SYSTEMS AND METHODS FOR EARLY DETECTION OF NETWORK FRAUD EVENTS POINVIL, FRANTZY 19d overdue
18190086 CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT QAYYUM, ZESHAN 17d overdue
18752736 METHODS AND SYSTEMS FOR ENHANCING USER IDENTIFICATION USING TRANSACTION INFORMATION ALVAREZ, RAQUEL 16d overdue
18472033 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING GREGG, MARY M 5d overdue

Interview Candidates (24)

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
18353517 RAPID SECURE WIRELESS TRANSACTION PARK, YONG S 58d overdue
18920645 GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY PARK, YONG S 42d overdue
18893491 SYSTEMS AND METHODS FOR UPDATING STORED CARDHOLDER ACCOUNT DATA CRAWLEY, TALIA F 28d overdue
19059821 SYSTEMS AND METHODS FOR IMPROVED ELECTRONIC DATA SECURITY RAZA, ZEHRA 17d overdue
18418682 METHOD AND SYSTEM FOR DIRECT PAYMENTS IN METAVERSE USING ANY METAVERSE CURRENCY WORJLOH, JALATEE 17d overdue
19073906 SYSTEMS AND METHODS FOR DETECTION OF FRAUD ATTACKS USING MERCHANTS TO TEST PAYMENT ACCOUNTS KUO, CHENYUH 5d overdue
18472033 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING GREGG, MARY M 5d overdue
18971698 SYSTEMS AND METHODS FOR SECURELY OPENING APIS WITH CARDHOLDER AUTHENTICATION AND CONSENT CHISM, STEVEN R 9d

Top Art Units

Art UnitApps
3694 14
3697 11
3699 10
3692 8
3695 8
3627 7
3698 5
3693 4
3691 4
3622 3

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19276327 METHOD AND SYSTEM FOR PAYMENT PROCESSING USING DISTRIBUTED DIGITIZED SURROGATES ZELASKIEWICZ, CHRYSTINA E 3699 Other Non-Final OA 12d Pending Jul 22, 2025
19258142 COMPOSITE DIAPHRAGM FOR DIAPHRAGM PUMP BOBISH, CHRISTOPHER S 3746 §103 Non-Final OA 15d overdue Pending Jul 02, 2025
19225892 SYSTEMS AND METHODS FOR PROCESSING DATA MESSAGES FROM A USER VEHICLE ALI, JAHED 3699 §103 Non-Final OA 14d Pending Jun 02, 2025
19220645 PEER TO PEER VALUE TRANSFER KUO, CHENYUH 3697 §103 Non-Final OA Pending May 28, 2025
19191490 KEY VALUE FAULT INTERCEPTION INCLUDING SURROGATE RESPONSES WU, YICUN 2153 Other Non-Final OA 17d overdue Pending Apr 28, 2025
19073906 SYSTEMS AND METHODS FOR DETECTION OF FRAUD ATTACKS USING MERCHANTS TO TEST PAYMENT ACCOUNTS KUO, CHENYUH 3697 §103 Non-Final OA 5d overdue Pending Mar 07, 2025
19069412 METHOD AND SYSTEM FOR PROVIDING CRYPTOGRAPHIC CREDENTIALS ZHOU, YINGYING 3697 §103 Non-Final OA 1d overdue Pending Mar 04, 2025
19059821 SYSTEMS AND METHODS FOR IMPROVED ELECTRONIC DATA SECURITY RAZA, ZEHRA 3697 Other Non-Final OA 17d overdue Pending Feb 21, 2025
19029991 SYSTEMS AND METHODS FOR REGULATING ACCESS TO DATA STORED IN A DATA SOURCE EBERSMAN, BRUCE I 3693 Other Non-Final OA 29d Pending Jan 17, 2025
18999355 MULTIPLE SETTLEMENT OPTIONS IN PAYMENT SYSTEM WORJLOH, JALATEE 3697 §101 Final Rejection Pending Dec 23, 2024
18987811 USER AUTHENTICATION AND TRANSACTION STAGING FELTEN, DANIEL S 3692 §103 Non-Final OA 11d overdue Pending Dec 19, 2024
18973988 SYSTEMS AND METHODS FOR SECURING DATA USING A TOKEN AKINTOLA, OLABODE 3691 §101 Non-Final OA 29d Pending Dec 09, 2024
18971698 SYSTEMS AND METHODS FOR SECURELY OPENING APIS WITH CARDHOLDER AUTHENTICATION AND CONSENT CHISM, STEVEN R 3692 §103 Non-Final OA 9d Pending Dec 06, 2024
18943484 PAYMENT CARD TRANSACTION SYSTEMS AND METHODS WITH INSTANT GEOGRAPHIC MERCHANT INCENTIVE NOTIFICATION VAN BRAMER, JOHN W 3622 §101 Final Rejection 22d Pending Nov 11, 2024
18942170 COMPUTER IMPLEMENTED METHOD AND SYSTEM FOR PROCESSING A RAFFLE SALE UBALE, GAUTAM 3689 §103 Non-Final OA 19d Pending Nov 08, 2024
18942150 COMPUTER IMPLEMENTED METHOD AND SYSTEM FOR PROCESSING A BULK CHECKOUT BAIRD, EDWARD J 3692 §103 Final Rejection 39d Pending Nov 08, 2024
18920645 GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY PARK, YONG S 3694 §103 Non-Final OA 42d overdue Pending Oct 18, 2024
18893491 SYSTEMS AND METHODS FOR UPDATING STORED CARDHOLDER ACCOUNT DATA CRAWLEY, TALIA F 3627 §102 Non-Final OA 28d overdue Pending Sep 23, 2024
18811926 METHOD AND SYSTEM FOR GENERATING AN ADVANCED STORAGE KEY IN A MOBILE DEVICE WITHOUT SECURE ELEMENTS KIM, STEVEN S 3698 §103 Final Rejection 149d overdue Pending Aug 22, 2024
18809149 COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR PROVIDING FINANCIAL NETWORK LARGE LANGUAGE MODEL DYNAMIC OPEN BANKING SERVICES MILLER, JAMES H 3694 §101 Non-Final OA 39d Pending Aug 19, 2024
18801137 METHODS AND SYSTEMS FOR AUTHENTICATING USERS FOR AUTHORIZATION RULE RELAXATION BURSUM, KIMBERLY SUZANNE 3627 §103 Non-Final OA 23d Pending Aug 12, 2024
18771736 SYSTEMS AND METHODS RELATING TO TOKENIZATION DANG, CHRISTINE 3698 §103 Final Rejection 52d overdue Pending Jul 12, 2024
18771593 METHODS AND SYSTEMS FOR PREDICTING REWARD LIABILITY DATA OF REWARD PROGRAMS TC 3600, DOCKET 3600 §103 Non-Final OA 49d overdue Pending Jul 12, 2024
18768351 SYSTEMS AND METHODS FOR PROCESSING DIRECT ELECTRICAL ENERGY TRANSFER PAYMENTS AT POINT OF INTERACTION MOORE, REVA R 3627 §103 Non-Final OA 26d Pending Jul 10, 2024
18762503 SYSTEMS AND METHODS FOR LINKING VERIFICATION OF ATTRIBUTES IN CONNECTION WITH NETWORK TRAFFIC HO, VIVIAN DANG 2497 §103 Final Rejection 34d Pending Jul 02, 2024
18752947 SYSTEMS AND METHODS FOR RECOMMENDING A BUY NOW, PAY LATER OFFER HUDSON, MARLA LAVETTE 3694 §101 Non-Final OA 29d Pending Jun 25, 2024
18752736 METHODS AND SYSTEMS FOR ENHANCING USER IDENTIFICATION USING TRANSACTION INFORMATION ALVAREZ, RAQUEL 3622 §101 Final Rejection 16d overdue Pending Jun 24, 2024
18747992 PREDICTING WHETHER A TRANSACTION OF A DIGITAL CURRENCY STORED IN A BLOCKCHAIN IS FRAUDULENT SHAH, BHAVIN D 3694 §101 Final Rejection 34d Pending Jun 19, 2024
18676364 METHOD OF AUTHORIZING FINANCIAL TRANSACTIONS USING A PHONE NUMBER AND A BIOMETRIC TRAIT HAIDER, FAWAAD 3627 §101 Non-Final OA 35d Pending May 28, 2024
18671635 METHOD OF CREATING A DATA LABELING SOFTWARE PROGRAM HALE, BROOKS T 2166 §103 Non-Final OA 58d overdue Pending May 22, 2024
18666707 SYSTEMS AND METHODS FOR DISTRIBUTING NETWORK SERVICES YONO, RAVEN E 3694 §101 Non-Final OA 22d Pending May 16, 2024
18710832 ACCOUNT LINKING INDEX STRUCTURE IN A NETWORK CHISM, STEVEN R 3692 §112 Final Rejection 22d Pending May 16, 2024
18665303 MACHINE LEARNING BASED SYSTEMS AND METHODS FOR DETECTING AND CORRECTING MISCLASSIFIED DATA YONO, RAVEN E 3694 §103 Non-Final OA 47d Pending May 15, 2024
18661407 ARTIFICIAL INTELLIGENCE-BASED SYSTEMS AND METHODS FOR DETECTING ANOMALOUS DATA HANKS, BENJAMIN L 3684 §103 Non-Final OA 31d overdue Pending May 10, 2024
18657952 SYSTEM AND METHOD FOR PROCESSING AND STORING GLOBAL PAYMENT DATA NGUYEN, TIEN C 3694 §101 Non-Final OA 34d Pending May 08, 2024
18622848 CHAINING TRANSACTIONS FOR FRAUD PREVENTION KANERVO, VIRPI H 3691 §103 Final Rejection 50d overdue Pending Mar 29, 2024
18617544 SYSTEMS AND METHODS FOR USE IN REDUCING FRICTION IN NETWORK-BASED COMMUNICATIONS RAMPHAL, LATASHA DEVI 3688 §103 Non-Final OA 23d Pending Mar 26, 2024
18615327 SYSTEMS AND METHODS FOR USE IN ACCOUNT CREDENTIAL CONVERSION GAW, MARK H 3693 §101 Non-Final OA 56d Pending Mar 25, 2024
18606009 CONTACTLESS PROVISIONING SYSTEMS AND METHODS GARCIA MIZE, KARLYANNIE MARIE 3698 §103 Non-Final OA 43d overdue Pending Mar 15, 2024
18593730 METHODS AND SYSTEMS FOR SCREENING ELECTRONIC MONEY TRANSFER TRANSACTIONS OYEBISI, OJO O 3695 §101 Final Rejection 26d Pending Mar 01, 2024
18586964 Systems and Methods for Use in Assessments in Connection with Cyber Attacks ZHAO, DON GORDON 2493 §112 Final Rejection 37d overdue Pending Feb 26, 2024
18429324 USER INTERFACE FOR AI-BASED TRADE INFORMATION AND RECOMMENDATIONS NGUYEN, NGA B 3625 §112 Non-Final OA 44d overdue Pending Jan 31, 2024
18428864 MULTI-DEVICE FIDO VALIDATION WITH DPK SHAIFER HARRIMAN, DANT B 2434 §103 Non-Final OA 9d overdue Pending Jan 31, 2024
18418682 METHOD AND SYSTEM FOR DIRECT PAYMENTS IN METAVERSE USING ANY METAVERSE CURRENCY WORJLOH, JALATEE 3697 §103 Non-Final OA 17d overdue Pending Jan 22, 2024
18415643 REDUCING HIGH-RISK BLOCKCHAIN TRANSACTION BEHAVIOR ASSOCIATED WITH FIAT CURRENCY ACCOUNTS CHAKRAVARTI, ARUNAVA 3692 §101 Non-Final OA 57d Pending Jan 17, 2024
18409227 PROTECTIONS FOR STORED DATA KANERVO, VIRPI H 3691 §103 Final Rejection 4d overdue Pending Jan 10, 2024
18409120 DETECTION OF NON-HUMAN ACTORS IN A DIGITAL INTERACTION WANG, HARRIS C 2439 §103 Final Rejection 46d Pending Jan 10, 2024
18406833 COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR FEED-FORWARD, FEED-BACKWARD ENTITY STANDARDIZATION PASHA, ATHAR N 2657 §103 Non-Final OA 84d Pending Jan 08, 2024
18406638 COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR FEED-FORWARD, FEED-BACKWARD ENTITY STANDARDIZATION JAMES, GREGORY MARK 3692 §103 Final Rejection 26d Pending Jan 08, 2024
18395555 Merchant Identification And Secure Data Transfer LE, CHAU D 2408 §103 Final Rejection 83d Pending Dec 23, 2023
18522086 DISTRIBUTED NETWORK OF COMPUTING DEVICES FOR CREATING DIGITAL RECORDS OF PHYSICAL ITEMS WARDEN, MICHAEL J 3694 §101 Non-Final OA 46d overdue Pending Nov 28, 2023
18510743 SYSTEMS AND METHODS FOR A BUY NOW, PAY LATER OFFER FINDER SERVICE FRUNZI, VICTORIA E. 3689 §101 Non-Final OA 12d Pending Nov 16, 2023
18560893 CONTENT VERIFICATION LEE, CLAY C 3699 §103 Non-Final OA 71d overdue Pending Nov 14, 2023
18501752 SYSTEMS AND METHODS FOR DYNAMICALLY UPDATING MODELS USING MACHINE LEARNING MAGUIRE, LINDSAY M 3619 §101 Non-Final OA 34d Pending Nov 03, 2023
18486084 ENHANCING RELIABILITY OF TRANSACTION DATA WITHOUT THIRD-PARTY VALIDATION DATA CHEIN, ALLEN C 3627 §101 Non-Final OA 39d Pending Oct 12, 2023
18484327 METHODS AND SYSTEMS FOR CLASSIFYING MERCHANTS INTO MERCHANT CATEGORIES BOND, REED MADISON 3624 §101 Non-Final OA 69d Pending Oct 10, 2023
18377034 METHODS AND SYSTEMS FOR IDENTIFYING INVALID CERTIFICATES FU, HAO 3695 §103 Final Rejection 183d overdue Pending Oct 05, 2023
18373370 METHOD AND SYSTEM OF INCREASING DIVERSITY IN BLOCKCHAIN SYSTEMS ESONU, VICTOR CHIGOZIRIM 3629 §103 Non-Final OA 8d overdue Pending Sep 27, 2023
18472028 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING GREGG, MARY M 3695 §103 Non-Final OA 12d Pending Sep 21, 2023
18472039 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING GREGG, MARY M 3695 §103 Non-Final OA 22d Pending Sep 21, 2023
18472033 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING GREGG, MARY M 3695 §101 Non-Final OA 5d overdue Pending Sep 21, 2023
18471060 ARTIFICIAL INTELLIGENCE-BASED METHODS AND SYSTEMS FOR GENERATING OPTIMAL EMBEDDINGS FOR IDENTIFYING SIMILAR ENTITIES MAY, ROBERT F 2154 §103 Non-Final OA 28d Pending Sep 20, 2023
18367670 METHOD AND SYSTEM FOR PROVIDING TOKEN IDENTITY CASTILHO, EDUARDO D 3698 §103 Non-Final OA 27d Pending Sep 13, 2023
18460741 SYSTEM AND METHODS FOR OBTAINING REAL-TIME CARDHOLDER AUTHENTICATION OF A PAYMENT TRANSACTION HUANG, JAY 3619 §103 Non-Final OA 35d overdue Pending Sep 05, 2023
18242167 METHOD AND SYSTEM FOR CRYPTOCURRENCY FRAUD DETECTION USING UNSUPERVISED DOMAIN ADAPTION ZELASKIEWICZ, CHRYSTINA E 3699 §103 Non-Final OA 26d Pending Sep 05, 2023
18458782 DATA CUBE SYSTEMS AND METHODS FOR DYNAMIC RULE CREATION MILLER, JAMES H 3694 §103 Non-Final OA 19d overdue Pending Aug 30, 2023
18240119 SYSTEMS AND METHODS FOR USE IN PROVIDING SERVICES ACROSS MULTIPLE REGIONS PATEL, AMIT HEMANTKUMAR 3696 §101 Non-Final OA 83d Pending Aug 30, 2023
18233068 METHOD AND SYSTEM FOR CRYPTOCURRENCY FRAUD DETECTION LOZA, JANICE JOMARIE 3698 §103 Final Rejection Pending Aug 11, 2023
18232408 METHOD AND SYSTEM FOR MAINTAINING PRIVACY AND COMPLIANCE IN THE USE OF ACCOUNT REISSUANCE DATA QAYYUM, ZESHAN 3697 §101 Non-Final OA 54d Pending Aug 10, 2023
18448105 DYNAMIC CUSTOMIZED INCENTIVES FOR INSTALLMENT PAYMENT PLANS HEWITT II, CALVIN L 4100 §103 Non-Final OA 259d overdue Pending Aug 10, 2023
18365666 Systems, Methods and Computer Program Products for Contactless Payment Card Security at Unattended Type Terminals YU, ARIEL J 3627 §103 Non-Final OA 56d Pending Aug 04, 2023
18359673 SYSTEMS AND METHODS FOR TOKENIZATION OF PERSONALLY IDENTIFIABLE INFORMATION (PII) AND PERSONAL HEALTH INFORMATION (PHI) FARROW, FELICIA 2437 §103 Non-Final OA 30d Pending Jul 26, 2023
18223476 SYSTEMS AND METHODS FOR AUTOMATICALLY REVERSING ELECTRONIC INSTRUCTIONS BASED ON FIRST AND SECOND ELECTRONIC MESSAGES GREGG, MARY M 3695 §101 Non-Final OA Pending Jul 18, 2023
18353517 RAPID SECURE WIRELESS TRANSACTION PARK, YONG S 3694 §103 Non-Final OA 58d overdue Pending Jul 17, 2023
18352090 SYSTEMS AND METHODS FOR ENHANCED CYBERSECURITY IN ELECTRONIC NETWORKS CHAKRAVARTI, ARUNAVA 3692 §101 Non-Final OA 41d Pending Jul 13, 2023
18221019 METHOD AND SYSTEM FOR GENERATING ORDERED RULE SETS FOR FRAUD DETECTION IN ELECTRONIC TRANSACTIONS ZHANG, DUAN 3699 §101 Final Rejection 27d Pending Jul 12, 2023
18350639 SYSTEMS AND METHODS FOR PREDICTING PARAMETERS AND TIMING OF A COMPUTER MESSAGE PARK, YONG S 3694 §103 Final Rejection 33d Pending Jul 11, 2023
18349699 SYSTEMS AND METHODS FOR EARLY DETECTION OF NETWORK FRAUD EVENTS POINVIL, FRANTZY 3693 §101 Non-Final OA 19d overdue Pending Jul 10, 2023
18265953 ALLOCATION OPTIMIZATION HO, THOMAS Y 3624 §101 Non-Final OA 22d Pending Jun 07, 2023
18324315 ARTIFICIAL INTELLIGENCE ENGINE FOR ENTITY RESOLUTION AND STANDARDIZATION KASSIM, IMAD MUTEE 2129 §103 Non-Final OA 15d overdue Pending May 26, 2023
18302489 SYSTEMS AND METHODS FOR REAL-TIME IDENTITY VERIFICATION USING A TOKEN CODE SAVENKOV, VADIM 2432 §103 Non-Final OA 46d Pending Apr 18, 2023
18301021 ENHANCED DATA MESSAGING SYSTEMS AND METHODS FOR AUTHENTICATING AN IDENTITY OF ONLINE USERS YONO, RAVEN E 3694 §101 Non-Final OA 15d Pending Apr 14, 2023
18031344 AN APPARATUS, METHOD AND COMPUTER PROGRAM PRODUCT FOR DETERMINING A LEVEL OF RISK SCHEUNEMANN, RICHARD N 3624 §101 Non-Final OA 46d Pending Apr 11, 2023
18131468 METHOD AND SYSTEM OF A BLOCKCHAIN PAYMENT SOLUTION FOR PAYMENT CARDS WITH SELF-CUSTODIAL WALLETS KING, DAVIDA LEE 3699 §103 Non-Final OA 3d overdue Pending Apr 06, 2023
18193307 SYSTEMS AND METHODS FOR AUTOMATICALLY UPDATING ACCOUNT INFORMATION BORLINGHAUS, JASON M 3692 §103 Final Rejection Pending Mar 30, 2023
18190086 CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT QAYYUM, ZESHAN 3697 §101 Final Rejection 17d overdue Pending Mar 25, 2023
18028177 Method of Authentication Using Device Token IMMANUEL, ILSE I 3699 §103 Non-Final OA 45d overdue Pending Mar 23, 2023
18180802 ARTIFICIAL INTELLIGENCE BASED METHODS AND SYSTEMS FOR UNSUPERVISED REPRESENTATION LEARNING FOR BIPARTITE GRAPHS SMITH, PAULINHO E 2127 §103 Non-Final OA 16d Pending Mar 08, 2023
18178493 AUTOMATICALLY MAINTAINING CONTENT DATA ON A COMPLIANCE PLATFORM KRAISINGER, EMILY MARIE 3626 §101 Non-Final OA 20d Pending Mar 03, 2023
18168602 METHODS AND SYSTEMS FOR PREDICTING FRAUDULENT TRANSACTIONS BASED ON ACQUIRER-LEVEL CHARACTERISTICS MODELING LEE, CLAY C 3699 §103 Non-Final OA 25d overdue Pending Feb 14, 2023
18167694 SYSTEMS AND METHODS FOR ADVANCED USER AUTHENTICATION IN ACCESSING A COMPUTER NETWORK JIMENEZ, JUSTIN ABEL 3697 §102 Non-Final OA 22d overdue Pending Feb 10, 2023
18017051 AUTHENTICATION METHOD AND SYSTEM DUFFIELD, JEREMY S 2498 §103 Non-Final OA 49d overdue Pending Jan 19, 2023
18095160 METHOD AND SYSTEM FOR GROSS SETTLEMENT BY USE OF AN OPAQUE BLOCKCHAIN RAZA, ZEHRA 3697 §103 Non-Final OA 60d Pending Jan 10, 2023
18151947 SYSTEMS AND METHODS FOR VALIDATING REPEATING DATA RANKINS, WILLIAM E 3694 §101 Final Rejection 56d overdue Pending Jan 09, 2023
18151405 SYSTEMS AND METHODS FOR DETECTING ANOMALOUS ACTIVITY OVER A COMPUTER NETWORK GREGG, MARY M 3695 §101 Non-Final OA 21d Pending Jan 06, 2023
18145627 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING GREGG, MARY M 3695 §103 Final Rejection 26d Pending Dec 22, 2022
18070101 DEVICE CERTIFICATION BASED ON DEVICE CAPABILITIES LANIER, BENJAMIN E 2437 §103 Non-Final OA 29d overdue Pending Nov 28, 2022
17967789 SYSTEMS AND METHODS FOR LINKING MULTIPLE DATA RECORDS TO A SINGLE TOKENIZED IDENTIFIER DING, CHUNLING 3699 §101 Non-Final OA 1d overdue Pending Oct 17, 2022
17951520 SYSTEMS AND METHODS FOR USE IN BIOMETRIC INTERACTIONS WARDEN, MICHAEL J 3694 §101 Final Rejection 6d Pending Sep 23, 2022
17886684 METHOD AND SYSTEM FOR BLOCKCHAIN TRANSACTION CONFIRMATION FOR SMALL MERCHANTS CHOI, YUE YIN 3699 §101 Final Rejection 9d Pending Aug 12, 2022
17699838 Completing a Transaction MALKOWSKI, MARK A 3696 §101 Non-Final OA 5d Pending Mar 21, 2022
17697724 SYSTEM AND METHOD FOR PREDICTING TRANSACTIONAL BEHAVIOR IN A NETWORK SMITH, KEVIN LEE 2122 §103 Final Rejection 36d Pending Mar 17, 2022
17638573 TRANSACTION SYSTEM MANAGEMENT AKINTOLA, OLABODE 3691 §112 Non-Final OA 30d overdue Pending Feb 25, 2022
17556381 METHOD AND SYSTEM OF PROVIDING FOR OFFLINE TRANSACTIONS IN DIGITAL CURRENCIES SHERR, MARIA CRISTI OWEN 3697 §103 Final Rejection 12d Pending Dec 20, 2021
17496693 SYSTEMS AND METHODS FOR PRE-PAYMENT INCENTIVE MANAGEMENT CARVALHO, ERROL A 3622 §101 Final Rejection 68d Pending Oct 07, 2021
17408219 SYSTEMS AND METHODS FOR INTERACTIVE CHATBOT AUTHENTICATION OF USERS DHAKAD, RUPALI 2437 §103 Final Rejection 43d overdue Pending Aug 20, 2021
17152614 METHODS AND SYSTEMS FOR FACILITATING DONATION TRANSACTIONS AND REAL TIME DONOR NOTIFICATIONS CRAWLEY, TALIA F 3627 §103 Final Rejection 14d Pending Jan 19, 2021
16946397 METHOD AND SYSTEM FOR PAYMENT INTEGRATION WITH PROVENANCE SUPPLY CHAIN EVENTS BUI, TOAN D. 3693 §103 Non-Final OA 141d overdue Pending Jun 19, 2020

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