Prosecution Insights
Prosecution Insights
Technology area: Transportation, E-Commerce & Mechanical Systems
148 pending office actions • 41 art units • 107 examiners • 1 of 148 (1%) have an AI response strategy ready • 153 patents granted in the last 365 days
Mastercard International Incorporated currently manages 148 pending office actions within the Transportation, E-Commerce & Mechanical Systems technology area. This workload is distributed across 41 distinct art units, indicating a broad reach within this technical field. The portfolio involves 107 distinct examiners, suggesting that prosecution strategies must account for a wide variety of individual preferences and styles. Practitioners should note that with so many different people involved, most are handling only a few matters for the company.
GREGG, MARY M is the busiest examiner for this portfolio, handling 9 pending office actions. This concentration with this individual represents a specific point of focus compared to the rest of the examining corps. Practitioners should monitor these 9 actions for potential trends in the examination approach that might impact the broader set of 148 pending office actions. Navigating 41 distinct art units requires a versatile approach, as each unit may have different internal guidelines for the Transportation, E-Commerce & Mechanical Systems technology area.
The high number of distinct examiners relative to the total actions suggests a decentralized prosecution environment. Success across the various departments likely depends on addressing the specific nuances of a large and diverse group of patent office personnel. This variety requires a strategy that is both consistent and flexible to ensure favorable outcomes across the entire portfolio.
Based on the USPTO statutory response window for each pending office action. 48 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.
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. 48 of the docket's apps have a known mailing date.
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.
| Bucket | Cases |
|---|---|
| §101 only | 48 (32%) |
| §101 + other | 58 (39%) |
| §103 only | 28 (19%) |
| Double-patenting only | 4 (3%) |
| Multi-statute (no §101) | 10 (7%) |
How the docket's pending cases split across USPTO tech-center bands.
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.
| Examiner | Apps on this docket | Allow rate | Interview lift |
|---|---|---|---|
| GREGG, MARY M | 9 | 14.0% | +14.2% |
| YONO, RAVEN E | 7 | 38.9% | +33.6% |
| POE, KEVIN T | 4 | 39.4% | +16.4% |
| PARK, YONG S | 4 | 26.0% | +11.5% |
| CHISM, STEVEN R | 3 | 30.8% | +42.3% |
| JUNG, HENRY H | 3 | 22.9% | +30.7% |
| FU, HAO | 3 | 50.1% | +24.8% |
| QAYYUM, ZESHAN | 2 | 40.5% | +30.8% |
| GAW, MARK H | 2 | 49.8% | +59.7% |
| SHAIKH, MOHAMMAD Z | 2 | 52.5% | +31.5% |
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 # | Title | Examiner | Due in |
|---|---|---|---|
| 18448105 | DYNAMIC CUSTOMIZED INCENTIVES FOR INSTALLMENT PAYMENT PLANS | HEWITT II, CALVIN L | 259d overdue |
| 18811926 | METHOD AND SYSTEM FOR GENERATING AN ADVANCED STORAGE KEY IN A MOBILE DEVICE WITHOUT SECURE ELEMENTS | KIM, STEVEN S | 149d overdue |
| 18353517 | RAPID SECURE WIRELESS TRANSACTION | PARK, YONG S | 58d overdue |
| 18622848 | CHAINING TRANSACTIONS FOR FRAUD PREVENTION | KANERVO, VIRPI H | 50d overdue |
| 18028177 | Method of Authentication Using Device Token | IMMANUEL, ILSE I | 45d overdue |
| 18429324 | USER INTERFACE FOR AI-BASED TRADE INFORMATION AND RECOMMENDATIONS | NGUYEN, NGA B | 44d overdue |
| 18920645 | GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY | PARK, YONG S | 42d overdue |
| 18661407 | ARTIFICIAL INTELLIGENCE-BASED SYSTEMS AND METHODS FOR DETECTING ANOMALOUS DATA | HANKS, BENJAMIN L | 31d overdue |
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 # | Title | Examiner | Due 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 |
| 18190086 | CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT | QAYYUM, ZESHAN | 17d overdue |
| 18472033 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 5d overdue |
| 18472028 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 12d |
| 18301021 | ENHANCED DATA MESSAGING SYSTEMS AND METHODS FOR AUTHENTICATING AN IDENTITY OF ONLINE USERS | YONO, RAVEN E | 15d |
| 18151405 | SYSTEMS AND METHODS FOR DETECTING ANOMALOUS ACTIVITY OVER A COMPUTER NETWORK | GREGG, MARY M | 21d |
| 18666707 | SYSTEMS AND METHODS FOR DISTRIBUTING NETWORK SERVICES | YONO, RAVEN E | 22d |
| Art Unit | Apps |
|---|---|
| 3694 | 22 |
| 3695 | 22 |
| 3692 | 11 |
| 3697 | 7 |
| 3693 | 6 |
| 3698 | 6 |
| 3699 | 6 |
| 3691 | 5 |
| 3696 | 4 |
| 3627 | 4 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 19443907 | METHOD AND SYSTEMS FOR BLOCKING MULTI-RAIL CONTACTLESS FRAUD | QAYYUM, ZESHAN | 3697 | §101 | Non-Final OA | — | Pending | Jan 08, 2026 |
| 19337889 | A COMPUTER IMPLEMENTED METHOD AND SYSTEM FOR REQUESTING CONSENT FROM A CONSUMER TO COMPLETE AN ACTION | TROTTER, SCOTT S | 3696 | §101 | Non-Final OA | — | Pending | Sep 23, 2025 |
| 19307587 | METHODS AND SYSTEMS FOR GENERATING PERSONALIZED RECOMMENDATIONS | DAVISON, KATHLEEN GAGE | 3688 | §101§102§103§112 | Non-Final OA | — | Pending | Aug 22, 2025 |
| 19288489 | METHODS AND SYSTEMS FOR RESPONDING TO PROMPTS RELATED TO FINANCIAL EVENTS | GAW, MARK H | 3693 | §101§103 | Non-Final OA | — | Pending | Aug 01, 2025 |
| 19286368 | SYSTEM AND METHOD FOR AUTHENTICATION AND PAYMENT WHILE WEARING A FACE COVERING | CHISM, STEVEN R | — | §101§103 | Non-Final OA | — | Pending | Jul 31, 2025 |
| 19280042 | ADAPTIVE REQUEST HANDLING USING A DYNAMIC SERVER HEALTH SCORE | SUBRAMANIAN, NARAYANSWAMY | 3691 | §101 | Non-Final OA | — | Pending | Jul 24, 2025 |
| 19268960 | NATURAL LANGUAGE USER INTERFACE FOR AN AUTOMATED LOYALTY PROGRAM DESIGNER FRAMEWORK | SYROWIK, MATHEW RICHARD | 3621 | §101§103§112 | Non-Final OA | — | Pending | Jul 14, 2025 |
| 19260739 | CREDIT CARD PROCESSING USING UNIVERSAL CHARGEBACK DATABASE | SHAIKH, MOHAMMAD Z | 3694 | §101 | Final Rejection | — | Pending | Jul 07, 2025 |
| 19228338 | SYSTEMS AND METHODS FOR ENHANCED NETWORK INTERACTIONS | SMITH, SLADE E | 3696 | §101§102§103 | Non-Final OA | — | Pending | Jun 04, 2025 |
| 19222828 | DATA PROCESS FOR ENVIRONMENTAL SOCIAL AND GOVERNANCE COMPLIANCE | RIVERA GONZALEZ, IVONNEMARY | 3626 | §101§103 | Final Rejection | — | Pending | May 29, 2025 |
| 19220645 | PEER TO PEER VALUE TRANSFER | KUO, CHENYUH | 3697 | §101§103 | Final Rejection | — | Pending | May 28, 2025 |
| 19212309 | BIOMETRIC AUTHENTICATED FINANCIAL TRANSFERS | POE, KEVIN T | — | §101§102§103 | Non-Final OA | — | Pending | May 19, 2025 |
| 19208041 | SYSTEMS AND METHODS FOR CONSENT MANAGEMENT BY ISSUERS ON BEHALF OF CARDHOLDERS | SHERR, MARIA CRISTI OWEN | 3697 | §101§103 | Final Rejection | — | Pending | May 14, 2025 |
| 19208251 | METHODS AND SYSTEMS FOR SMART IDENTIFICATION AND STEP-UP AUTHENTICATION | CHANG, KENNETH W | — | DP | Non-Final OA | — | Pending | May 14, 2025 |
| 19129050 | A SYSTEM AND METHOD OF PROCESSING TRANSACTIONS FROM CRYPTO WALLETS | DIROMA, SCOTT MICHAEL | 3698 | §102§103 | Non-Final OA | — | Pending | May 12, 2025 |
| 19179295 | SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS AND PROVIDING GRAPHIC VISUALIZATIONS OF AN AUTHENTICATION PROCESS | JUNG, HENRY H | 3695 | DP | Non-Final OA | — | Pending | Apr 15, 2025 |
| 19093088 | FACILITATING PAYMENTS IN AN EXTENDED REALITY SYSTEM BASED ON BEHAVIORAL BIOMETRICS | FU, HAO | 3695 | §103 | Final Rejection | — | Pending | Mar 27, 2025 |
| 19086285 | SYSTEMS AND METHODS FOR EXTENDING AUTHENTICATION | WANG, HARRIS C | — | §103 | Non-Final OA | — | Pending | Mar 21, 2025 |
| 19069412 | METHOD AND SYSTEM FOR PROVIDING CRYPTOGRAPHIC CREDENTIALS | ZHOU, YINGYING | 3697 | §101§112 | Final Rejection | 1d overdue | Pending | Mar 04, 2025 |
| 19063168 | SYSTEMS AND METHODS FOR DISTRIBUTING EVENT DRIVEN NETWORK SERVICES | ANDREI, RADU | — | §101§103 | Final Rejection | — | Pending | Feb 25, 2025 |
| 19063282 | ARTIFICIAL INTELLIGENCE BASED METHODS AND SYSTEMS FOR PREDICTING OVERALL ACCOUNT-LEVEL RISKS OF CARDHOLDERS | FU, HAO | 3695 | §101 | Non-Final OA | — | Pending | Feb 25, 2025 |
| 19056517 | SYSTEM AND METHODS FOR ELECTRIC VEHICLE CHARGING VIA A PARALLEL SESSION PAYMENT TRANSACTION | JONES, COURTNEY PATRICE | 3699 | DP | Non-Final OA | — | Pending | Feb 18, 2025 |
| 19055479 | AUTOMATICALLY DETERMINING DATA HANDLING CONTRACTS FOR RECEIVED DATA ENTITIES | SOMERS, MARC S | 2159 | §103 | Non-Final OA | — | Pending | Feb 17, 2025 |
| 19045430 | SYSTEMS AND METHODS FOR USE IN IMPLEMENTING SELF-SOVEREIGN CREDENTIALS | TRAN, VU V | — | DP | Non-Final OA | — | Pending | Feb 04, 2025 |
| 19043899 | PAYMENT TRANSACTION PROCESS EMPLOYING DYNAMIC ACCOUNT EXPIRY AND DYNAMIC TOKEN VERIFICATION CODE | YONO, RAVEN E | 3694 | §101 | Final Rejection | — | Pending | Feb 03, 2025 |
| 19042198 | COMPUTER-IMPLEMENTED METHODS AND SYSTEMS FOR AUTHENTIC USER-MERCHANT ASSOCIATION AND SERVICES | WILCOX, JAMES J | — | §103Other | Non-Final OA | — | Pending | Jan 31, 2025 |
| 19029991 | SYSTEMS AND METHODS FOR REGULATING ACCESS TO DATA STORED IN A DATA SOURCE | EBERSMAN, BRUCE I | 3693 | §101§103 | Final Rejection | 29d | Pending | Jan 17, 2025 |
| 19010548 | SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL | POE, KEVIN T | 3692 | §101 | Non-Final OA | — | Pending | Jan 06, 2025 |
| 19008790 | METHOD TO DETERMINE THAT A CREDIT CARD NUMBER CHANGE HAS OCCURRED | CHOY, PAN G | 3624 | §101 | Final Rejection | — | Pending | Jan 03, 2025 |
| 19009050 | DEVICES, METHODS, AND NON-TRANSITORY COMPUTER-READABLE MEDIA FOR TRUSTED ANONYMITY OF INDIVIDUALS, ENTITES, AND THINGS | CHISM, STEVEN R | 3692 | §101 | Final Rejection | — | Pending | Jan 03, 2025 |
| 19002065 | CONTACTLESS INTERACTION SYSTEM, APPARATUS AND METHOD | GREGG, MARY M | 3695 | §101§102 | Non-Final OA | — | Pending | Dec 26, 2024 |
| 18877749 | SECURELY AND EFFICIENTLY USING TOKENISED VCNS ON ELECTRONIC DEVICES, AND IN E-COMMERCE PLATFORMS | SCHWARZENBERG, PAUL | 3695 | §101§103 | Non-Final OA | — | Pending | Dec 20, 2024 |
| 18989848 | ENHANCED AUTOPAYMENT FEATURES USING OPEN BANKING | CAMPEN, KELLY SCAGGS | 3691 | §101§103 | Non-Final OA | — | Pending | Dec 20, 2024 |
| 18987811 | USER AUTHENTICATION AND TRANSACTION STAGING | FELTEN, DANIEL S | 3692 | §103§112 | Final Rejection | 11d overdue | Pending | Dec 19, 2024 |
| 18970495 | METHODS AND SYSTEMS FOR GENERATING A CALIBRATED PREDICTION FOR AN EVENT | LEE, PO HAN | 3623 | §101§103 | Final Rejection | — | Pending | Dec 05, 2024 |
| 18968665 | SYSTEMS AND METHODS FOR SECURELY RETRIEVING A PRIMARY ACCOUNT NUMBER THROUGH THE OPEN BANKING INFRASTRUCTURE | SHAIKH, MOHAMMAD Z | 3694 | §101 | Non-Final OA | — | Pending | Dec 04, 2024 |
| 18967092 | CONVERTING CARD-NOT-PRESENT TO CARD-PRESENT TRANSACTIONS FOR ONLINE TRANSACTIONS | HASBROUCK, MERRITT J | 3695 | §101§103 | Final Rejection | — | Pending | Dec 03, 2024 |
| 18963152 | AUTOMATING DEPLOYMENT OF MACHINE LEARNING WORKFLOWS USING A WORKBENCH PLATFORM | HAN, MICHELLE XUE | — | §103 | Non-Final OA | — | Pending | Nov 27, 2024 |
| 18962229 | ENHANCED SECURITY IN SENSITIVE DATA TRANSFER OVER A NETWORK | SHOLEMAN, ABU S | 2496 | §103 | Non-Final OA | — | Pending | Nov 27, 2024 |
| 18959761 | ECOMMERCE POINT-OF-SALE TRANSACTION FOR OFFLINE TRANSACTIONS | MILEF, ELDA G | 3694 | §101 | Non-Final OA | — | Pending | Nov 26, 2024 |
| 18959184 | COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR OPEN BANKING RISK MODEL TESTING FRAMEWORK | POE, KEVIN T | 3692 | §101§102 | Non-Final OA | — | Pending | Nov 25, 2024 |
| 18956634 | SYSTEMS AND METHODS FOR CONTEXT-DRIVEN GENERATIVE ARTIFICIAL INTELLIGENCE (AI) BASED DISPUTE RESOLUTION | POE, KEVIN T | 3692 | §101 | Final Rejection | — | Pending | Nov 22, 2024 |
| 18952946 | HIGHER-ORDER FUNCTION WITH REDUCING FUNCTION PARAMETER TO TRANSLITERATE CHARACTERS | HUTCHESON, CODY DOUGLAS | 2659 | §101§103§112 | Non-Final OA | — | Pending | Nov 19, 2024 |
| 18952840 | EFFICIENT ALGORITHM FOR COMPUTATION OF DECAY VELOCITY ON DISTRIBUTED COMPUTING SYSTEMS | WAESCO, JOSEPH M | 3625 | §101§112 | Final Rejection | — | Pending | Nov 19, 2024 |
| 18947214 | SYSTEMS AND METHODS FOR TRANSACTION PRE-AUTHENTICATION | YONO, RAVEN E | 3694 | §101 | Final Rejection | — | Pending | Nov 14, 2024 |
| 18946166 | METHOD AND SYSTEM OF ALL-OR-NOTHING TRANSFORM (AONT) FOR INCREASING BLOCKCHAIN INTEGRITY | ABDULLAH, SAAD AHMAD | 2431 | §103 | Non-Final OA | — | Pending | Nov 13, 2024 |
| 18942150 | COMPUTER IMPLEMENTED METHOD AND SYSTEM FOR PROCESSING A BULK CHECKOUT | BAIRD, EDWARD J | 3692 | §101§112 | Non-Final OA | 39d | Pending | Nov 08, 2024 |
| 18940378 | UNIFIED DIGITAL WALLET LINK ACCOUNT SYSTEMS AND METHODS | BUI, TOAN D. | 3693 | §101§103 | Non-Final OA | — | Pending | Nov 07, 2024 |
| 18940805 | GENERATING ESTIMATED FUTURE TRANSACTIONS USING TOKENS AND EMBEDDINGS OF PAST TRANSACTIONS | LOZA, JANICE JOMARIE | 3698 | §101§103 | Non-Final OA | — | Pending | Nov 07, 2024 |
| 18920645 | GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY | PARK, YONG S | 3694 | §101§103 | Non-Final OA | 42d overdue | Pending | Oct 18, 2024 |
| 18889339 | QUALITY LOG ANALYZER | BOURZIK, BRAHIM | 2191 | §103 | Non-Final OA | — | Pending | Sep 18, 2024 |
| 18820902 | MICROPAYMENT PROCESSING METHOD | MILEF, ELDA G | 3694 | §101 | Non-Final OA | — | Pending | Aug 30, 2024 |
| 18819864 | METHODS AND SYSTEMS FOR GENERATING SCALABLE TASK-AGNOSTIC EMBEDDINGS FOR TRANSACTION DATA | SCHEUNEMANN, RICHARD N | 3624 | §101§103 | Non-Final OA | — | Pending | Aug 29, 2024 |
| 18816554 | ANTI-SKIMMING DEVICE | KIM, TAE W | 2876 | §103 | Non-Final OA | — | Pending | Aug 27, 2024 |
| 18811926 | METHOD AND SYSTEM FOR GENERATING AN ADVANCED STORAGE KEY IN A MOBILE DEVICE WITHOUT SECURE ELEMENTS | KIM, STEVEN S | 3698 | §103§112 | Non-Final OA | 149d overdue | Pending | Aug 22, 2024 |
| 18810256 | SYSTEMS AND METHODS FOR ACCOUNT MAPPING AND PERSONAL ACCOUNT NUMBER LINKING | WONG, ERIC TAK WAI | 3693 | §101§103 | Non-Final OA | — | Pending | Aug 20, 2024 |
| 18801570 | METHOD AND SYSTEM FOR FACILITATING UTILIZATION OF REWARD POINTS | OSMAN BILAL AHMED, AFAF | 3622 | §101 | Non-Final OA | — | Pending | Aug 12, 2024 |
| 18801137 | METHODS AND SYSTEMS FOR AUTHENTICATING USERS FOR AUTHORIZATION RULE RELAXATION | BURSUM, KIMBERLY SUZANNE | 3627 | §101§103§112 | Final Rejection | 23d | Pending | Aug 12, 2024 |
| 18794210 | IN-APPLICATION TRANSACTION INTERFACE | OYEBISI, OJO O | 3695 | §101§102§103 | Final Rejection | — | Pending | Aug 05, 2024 |
| 18783612 | AUTOMATED PERFORMANCE TESTING IN A CONTAINERIZED ENVIRONMENT | JEON, JAE UK | — | §101§103 | Non-Final OA | — | Pending | Jul 25, 2024 |
| 18780453 | METHODS AND SYSTEMS FOR MANAGING DEFAULT RISK ASSOCIATED WITH TRANSIT TRANSACTIONS | RANKINS, WILLIAM E | 3694 | §101 | Non-Final OA | — | Pending | Jul 22, 2024 |
| 18766840 | METHOD AND SYSTEM FOR CONNECTED VEHICLES VIA BLOCKCHAIN | KRESS, TABITHA LYNN | 3667 | §101§103 | Non-Final OA | — | Pending | Jul 09, 2024 |
| 18762503 | SYSTEMS AND METHODS FOR LINKING VERIFICATION OF ATTRIBUTES IN CONNECTION WITH NETWORK TRAFFIC | HO, VIVIAN DANG | 2497 | §103 | Non-Final OA | 34d | Pending | Jul 02, 2024 |
| 18757480 | RELATIONSHIP IDENTIFICATION AMONG RECORDS | MILLER, JAMES H | 3694 | §101§103 | Final Rejection | — | Pending | Jun 27, 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 |
| 18749988 | METHOD AND SYSTEM TO PREVENT FRAUDULENT TRANSACTIONS | CUNNINGHAM II, GREGORY S | 3694 | §101§102§103 | Non-Final OA | — | Pending | Jun 21, 2024 |
| 18750826 | MACHINE LEARNING BASED POST-AUTHORIZATION MODELING SYSTEM AND METHOD | YONO, RAVEN E | 3694 | §101§112 | Final Rejection | — | Pending | Jun 21, 2024 |
| 18747982 | PREDICTING FRAUDULENT TRANSACTIONS | ABDULLAEV, AMANULLA | 3692 | §101§103 | Non-Final OA | — | Pending | Jun 19, 2024 |
| 18733518 | METHODS AND SYSTEMS FOR TRAINING ARTIFICIAL INTELLIGENCE-BASED MODELS USING LIMITED LABELED DATA | KWON, JUN | — | §101§103 | Non-Final OA | — | Pending | Jun 04, 2024 |
| 18676226 | SYSTEMS AND METHODS FOR ENHANCED CONTACTLESS COMMUNICATION | JUNG, HENRY H | 3695 | §101 | Final Rejection | — | Pending | May 28, 2024 |
| 18667850 | SYSTEMS AND METHODS FOR EXECUTING CROSS-NETWORK OPERATIONS | ABDULLAEV, AMANULLA | 3692 | §101§103 | Non-Final OA | — | Pending | May 17, 2024 |
| 18666707 | SYSTEMS AND METHODS FOR DISTRIBUTING NETWORK SERVICES | YONO, RAVEN E | 3694 | §101 | Non-Final OA | 22d | Pending | May 16, 2024 |
| 18665303 | MACHINE LEARNING BASED SYSTEMS AND METHODS FOR DETECTING AND CORRECTING MISCLASSIFIED DATA | YONO, RAVEN E | 3694 | §101 | Final Rejection | 47d | Pending | May 15, 2024 |
| 18661407 | ARTIFICIAL INTELLIGENCE-BASED SYSTEMS AND METHODS FOR DETECTING ANOMALOUS DATA | HANKS, BENJAMIN L | 3684 | §101§103§112 | 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 | Final Rejection | 34d | Pending | May 08, 2024 |
| 18642694 | SYSTEMS AND METHODS FOR USE IN PROVISIONING TOKENS FOR UNSUPPORTED ACCOUNTS | ALLADIN, AMBREEN A | 3691 | §101 | Final Rejection | — | Pending | Apr 22, 2024 |
| 18622848 | CHAINING TRANSACTIONS FOR FRAUD PREVENTION | KANERVO, VIRPI H | 3691 | §101 | Non-Final OA | 50d overdue | Pending | Mar 29, 2024 |
| 18617544 | SYSTEMS AND METHODS FOR USE IN REDUCING FRICTION IN NETWORK-BASED COMMUNICATIONS | RAMPHAL, LATASHA DEVI | 3688 | §101§103 | Final Rejection | 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 |
| 18603730 | DIGITAL NOTIFICATION SERVERS, METHODS, AND NON-TRANSITORY COMPUTER-READABLE MEDIA | GOODMAN, MATTHEW PARKER | 3628 | §101§103 | Non-Final OA | — | Pending | Mar 13, 2024 |
| 18595019 | SYSTEM AND METHOD FOR PROVIDING BUY NOW, PAY LATER SERVICES TO A GROUP OF CONSUMERS | YONO, RAVEN E | 3694 | §101 | Non-Final OA | — | Pending | Mar 04, 2024 |
| 18593730 | METHODS AND SYSTEMS FOR SCREENING ELECTRONIC MONEY TRANSFER TRANSACTIONS | OYEBISI, OJO O | 3695 | §101 | Final Rejection | 26d | Pending | Mar 01, 2024 |
| 18435388 | SYSTEM OF AUTHORIZING FINANCIAL TRANSACTIONS FOR CONSUMERS WITH DISABILITIES | KANERVO, VIRPI H | 3691 | §101 | Non-Final OA | — | Pending | Feb 07, 2024 |
| 18429324 | USER INTERFACE FOR AI-BASED TRADE INFORMATION AND RECOMMENDATIONS | NGUYEN, NGA B | 3625 | §101 | Non-Final OA | 44d overdue | Pending | Jan 31, 2024 |
| 18428925 | CLASSIFIER TRAINING USING SYNTHETIC TRAINING DATA SAMPLES | RIFKIN, BEN M | — | §103§112 | Non-Final OA | — | Pending | Jan 31, 2024 |
| 18426245 | SYSTEMS AND METHODS FOR REAL-TIME CARDHOLDER AUTHENTICATION USING TRANSACTION HISTORY | CHISM, STEVEN R | 3692 | §101§103 | Non-Final OA | — | Pending | Jan 29, 2024 |
| 18415643 | REDUCING HIGH-RISK BLOCKCHAIN TRANSACTION BEHAVIOR ASSOCIATED WITH FIAT CURRENCY ACCOUNTS | CHAKRAVARTI, ARUNAVA | 3692 | §101§112 | Final Rejection | 57d | Pending | Jan 17, 2024 |
| 18395555 | Merchant Identification And Secure Data Transfer | LE, CHAU D | 2408 | §103 | Non-Final OA | 83d | Pending | Dec 23, 2023 |
| 18535861 | SYSTEMS AND METHODS FOR PROVISIONING TOKENS FOR MULTIPLE USERS TO A TOKEN STORAGE DEVICE | MUTSCHLER, JOSEPH M | 3627 | §103 | Final Rejection | — | Pending | Dec 11, 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 |
| 18376957 | METHOD AND SYSTEM OF STORING DYNAMIC CREDIT CARD NUMBERS ON E-COMMERCE PLATFORMS USING BLOCKCHAIN TECHNOLOGY | KANAAN, TONY P | 3696 | §101 | Final Rejection | — | Pending | Oct 05, 2023 |
| 18373370 | METHOD AND SYSTEM OF INCREASING DIVERSITY IN BLOCKCHAIN SYSTEMS | ESONU, VICTOR CHIGOZIRIM | 3629 | §101§103 | Non-Final OA | 8d overdue | Pending | Sep 27, 2023 |
| 18471853 | SYSTEM AND METHOD FOR IMPROVING ACCURACY IN FRAUD DETECTION | ZELASKIEWICZ, CHRYSTINA E | 3699 | §101§103§112 | Non-Final OA | — | Pending | Sep 21, 2023 |
| 18472033 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101 | Final Rejection | 5d overdue | Pending | Sep 21, 2023 |
| 18472039 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§103 | Final Rejection | 22d | Pending | Sep 21, 2023 |
| 18472028 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§102§103 | Final Rejection | 12d | Pending | Sep 21, 2023 |
| 18472017 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§103 | Final Rejection | — | Pending | Sep 21, 2023 |
| 18472043 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§103 | Non-Final OA | — | 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 |
| 18367718 | EXPENSE MANAGEMENT SYSTEM FOR IMPROVED DATA CAPTURE | JUNG, HENRY H | 3695 | §101§103 | Final Rejection | — | Pending | Sep 13, 2023 |
| 18458782 | DATA CUBE SYSTEMS AND METHODS FOR DYNAMIC RULE CREATION | MILLER, JAMES H | 3694 | §103 | Final Rejection | 19d overdue | Pending | Aug 30, 2023 |
| 18449948 | SYSTEM AND METHOD OF PAYMENT OF MERCHANTS ON BEHALF OF PAYMENT CARD SYSTEM TRANSACTION ACQUIRERS | MAGUIRE, LINDSAY M | 3619 | §101 | Non-Final OA | — | Pending | Aug 15, 2023 |
| 18449500 | SYSTEM, METHOD, AND NON-TRANSITORY COMPUTER-READABLE STORAGE MEDIA FOR RECOMMENDING MERCHANTS | KANG, TIMOTHY J | 3689 | §101 | Non-Final OA | — | Pending | Aug 14, 2023 |
| 18448105 | DYNAMIC CUSTOMIZED INCENTIVES FOR INSTALLMENT PAYMENT PLANS | HEWITT II, CALVIN L | 4100 | §101§112 | Final Rejection | 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 | §102§103 | Final Rejection | 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§112 | Non-Final OA | — | Pending | Jul 18, 2023 |
| 18353517 | RAPID SECURE WIRELESS TRANSACTION | PARK, YONG S | 3694 | §103 | Final Rejection | 58d overdue | AI Ready | Jul 17, 2023 |
| 18350639 | SYSTEMS AND METHODS FOR PREDICTING PARAMETERS AND TIMING OF A COMPUTER MESSAGE | PARK, YONG S | 3694 | §101§103§112 | Non-Final OA | 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 |
| 18208939 | METHOD AND SYSTEM FOR IDENTIFYING TYPE OF ACCOUNT WHILE MAINTAINING ANONYMITY IN BLOCKCHAIN TRANSACTIONS | DANG, CHRISTINE | 3698 | §103 | Final Rejection | — | Pending | Jun 13, 2023 |
| 18204360 | SYSTEMS AND METHODS FOR FACILITATING NETWORK VOICE AUTHENTICATION | SHARON, AYAL I | 3695 | §103 | Non-Final OA | — | Pending | May 31, 2023 |
| 18142708 | ADAPTABLE MESSAGING | CASTILHO, EDUARDO D | 3698 | §103§112 | Non-Final OA | — | Pending | May 03, 2023 |
| 18308917 | SYSTEM AND METHOD FOR ASSESSING A RISK SCORE FOR A NON-FUNGIBLE TOKEN TRANSACTED ON A BLOCKCHAIN | SUMMERS, KIERSTEN V | 3626 | §101§103 | Non-Final OA | — | Pending | Apr 28, 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 | §101 | Non-Final OA | — | Pending | Mar 30, 2023 |
| 18190086 | CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT | QAYYUM, ZESHAN | 3697 | §101 | Non-Final OA | 17d overdue | Pending | Mar 25, 2023 |
| 18028177 | Method of Authentication Using Device Token | IMMANUEL, ILSE I | 3699 | §101§103§112 | Non-Final OA | 45d overdue | Pending | Mar 23, 2023 |
| 18119236 | METHODS AND SYSTEMS FOR EXTENDING INSTALLMENT OPTIONS | ANDERSON, MICHAEL W. | 3695 | §101 | Final Rejection | — | Pending | Mar 08, 2023 |
| 18179094 | SYSTEMS AND METHODS FOR MULTI-STAGE RESIDUAL MODELING APPROACH FOR ANALYSIS AND ASSESSMENT | KRINGEN, MICHELLE THERESE | 3689 | §101 | Final Rejection | — | Pending | Mar 06, 2023 |
| 18167694 | SYSTEMS AND METHODS FOR ADVANCED USER AUTHENTICATION IN ACCESSING A COMPUTER NETWORK | JIMENEZ, JUSTIN ABEL | 3697 | §101§102 | Final Rejection | 22d overdue | Pending | Feb 10, 2023 |
| 18164096 | NETWORK BASED DATA EXCHANGE FOR QUALIFYING A USER AND ACTIVATING ACCESS CREDENTIALS | PARK, YONG S | 3694 | §101§103 | Final Rejection | — | Pending | Feb 03, 2023 |
| 18151405 | SYSTEMS AND METHODS FOR DETECTING ANOMALOUS ACTIVITY OVER A COMPUTER NETWORK | GREGG, MARY M | 3695 | §101 | Final Rejection | 21d | Pending | Jan 06, 2023 |
| 18145627 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§103§112 | Non-Final OA | 26d | Pending | Dec 22, 2022 |
| 18070101 | DEVICE CERTIFICATION BASED ON DEVICE CAPABILITIES | LANIER, BENJAMIN E | 2437 | §103§112 | Final Rejection | 29d overdue | Pending | Nov 28, 2022 |
| 18055257 | SYSTEMS AND METHODS FOR PROCESSING PREAUTHORIZED AUTOMATED BANKING MACHINE-RELATED TRANSACTIONS | EKECHUKWU, CHINEDU U | 3695 | §101§102§103§112Other | Non-Final OA | — | Pending | Nov 14, 2022 |
| 17967667 | TRANSACTION AUTHENTICATION SYSTEMS AND METHODS | HUDSON, MARLA LAVETTE | 3694 | §101 | Final Rejection | — | Pending | Oct 17, 2022 |
| 17874830 | EFFICIENT USER CONTROL OF THEIR DATA STORED IN A CENTRALISED BIOMETRIC DATABASE | MARTINEZ, TOMMY NMN | 2496 | §103§112 | Final Rejection | — | Pending | Jul 27, 2022 |
| 17869474 | TRUSTED, SECURE, AND DEFERRED REAL-TIME PAYMENTS IN A REAL-TIME PAYMENT NETWORK | CRAWLEY, TALIA F | 3627 | §103 | Non-Final OA | — | Pending | Jul 20, 2022 |
| 17828945 | IDENTIFICATION OF FRAUDULENT HEALTHCARE PROVIDERS THROUGH MULTIPRONGED AI MODELING | NAJARIAN, LENA | 3687 | §101 | Non-Final OA | — | Pending | May 31, 2022 |
| 17752318 | METHOD AND SYSTEM FOR PROCESSING AN ASSET SWAP ACROSS TWO BLOCKCHAINS | ZELASKIEWICZ, CHRYSTINA E | 3699 | §103§112 | Non-Final OA | — | Pending | May 24, 2022 |
| 17743188 | METHODS AND APPARATUS FOR AUTHORIZING AUTOMATED TELLER MACHINE TRANSACTIONS USING BIOMETRIC DATA | XIAO, ZESHENG | 3698 | §103 | Final Rejection | — | Pending | May 12, 2022 |
| 17739040 | METHODS AND SYSTEMS FOR PREDICTING CHARGEBACK BEHAVIORAL DATA OF ACCOUNT HOLDERS | FU, HAO | 3695 | §101 | Non-Final OA | — | Pending | May 06, 2022 |
| 17710863 | SYSTEMS AND METHODS FOR MACHINE LEARNING OPTIMIZATION | MARU, MATIYAS T | 2148 | §103§112 | Non-Final OA | — | Pending | Mar 31, 2022 |
| 17699838 | Completing a Transaction | MALKOWSKI, MARK A | 3696 | §101 | Final Rejection | 5d | Pending | Mar 21, 2022 |
| 17697724 | SYSTEM AND METHOD FOR PREDICTING TRANSACTIONAL BEHAVIOR IN A NETWORK | SMITH, KEVIN LEE | 2122 | §101§103 | Non-Final OA | 36d | Pending | Mar 17, 2022 |
| 17635493 | IOT Devices | KANAAN, TONY P | 3600 | §101 | Non-Final OA | — | Pending | Feb 15, 2022 |
| 17556381 | METHOD AND SYSTEM OF PROVIDING FOR OFFLINE TRANSACTIONS IN DIGITAL CURRENCIES | SHERR, MARIA CRISTI OWEN | 3697 | §103 | Non-Final OA | 12d | Pending | Dec 20, 2021 |
| 17508048 | METHOD AND SYSTEM OF INITIATING SIMULTANEOUS START OF BLOCK FORMATION | LE, JESSICA N | 2169 | §103 | Non-Final OA | — | Pending | Oct 22, 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 |
| 17386452 | SYSTEMS AND METHODS TO DEFINE THE CARD MEMBER VALUE FROM AN ISSUER PERSPECTIVE | MARU, MATIYAS T | 2148 | §103 | Non-Final OA | — | Pending | Jul 27, 2021 |
| 17341041 | SYSTEMS AND METHODS FOR PROVIDING ANONYMIZED TRANSACTION DATA TO THIRD-PARTIES | ANDREI, RADU | 3600 | §103 | Final Rejection | — | Pending | Jun 07, 2021 |
| 17189521 | METHOD AND SYSTEM OF IMPLEMENTING PARTITIONED BLOCKCHAIN | KIM, TAELOR | 2859 | §103 | Final Rejection | — | Pending | Mar 02, 2021 |
| 17035363 | DEVICE MONITORING SYSTEM AND METHOD | ANDERSON, BRODERICK C | 2178 | §101 | Final Rejection | — | Pending | Sep 28, 2020 |
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