Prosecution Insights
Prosecution Insights
Technology area: Transportation, E-Commerce & Mechanical Systems
153 pending office actions • 45 art units • 109 examiners • 1 of 153 (1%) have an AI response strategy ready • 148 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. 45 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. 45 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 | 51 (33%) |
| §101 + other | 59 (39%) |
| §103 only | 27 (18%) |
| Double-patenting only | 4 (3%) |
| Multi-statute (no §101) | 12 (8%) |
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% |
| XIAO, ZESHENG | 4 | 43.4% | +32.2% |
| CHISM, STEVEN R | 4 | 30.8% | +42.3% |
| JUNG, HENRY H | 4 | 23.0% | +27.8% |
| SHAIKH, MOHAMMAD Z | 3 | 52.5% | +31.5% |
| POE, KEVIN T | 3 | 39.5% | +16.1% |
| FU, HAO | 3 | 49.9% | +24.8% |
| PARK, YONG S | 3 | 25.9% | +11.1% |
| QAYYUM, ZESHAN | 2 | 40.7% | +30.9% |
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 |
| 18070101 | DEVICE CERTIFICATION BASED ON DEVICE CAPABILITIES | LANIER, BENJAMIN E | 29d overdue |
| 18167694 | SYSTEMS AND METHODS FOR ADVANCED USER AUTHENTICATION IN ACCESSING A COMPUTER NETWORK | JIMENEZ, JUSTIN ABEL | 22d overdue |
| 18349699 | SYSTEMS AND METHODS FOR EARLY DETECTION OF NETWORK FRAUD EVENTS | POINVIL, FRANTZY | 19d 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 |
| 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 |
| 18472039 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 22d |
| Art Unit | Apps |
|---|---|
| 3694 | 21 |
| 3695 | 21 |
| 3692 | 14 |
| 3697 | 10 |
| 3698 | 9 |
| 3693 | 6 |
| 3691 | 6 |
| 3699 | 6 |
| 3627 | 6 |
| 3696 | 5 |
| 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 |
| 19439783 | PERSONALLY IDENTIFIABLE INFORMATION SECURE PERSON-TO-PERSON PAYMENT TECHNOLOGY | XIAO, ZESHENG | 3698 | §101§103 | Final Rejection | — | Pending | Jan 05, 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 | 3692 | §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 |
| 19212309 | BIOMETRIC AUTHENTICATED FINANCIAL TRANSFERS | POE, KEVIN T | 3692 | §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 | 2438 | 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 |
| 19203009 | SYSTEMS AND METHODS FOR USE IN UPDATING CREDENTIALS ASSOCIATED WITH AUTHENTICATION IN CONNECTION WITH NETWORK ACTIVITIES | PATEL, AMIT HEMANTKUMAR | 3696 | §101 | Final Rejection | — | Pending | May 08, 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 |
| 19116455 | METHOD AND SYSTEM FOR DETECTING AND ENFORCING AGAINST SANCTIONABLE EVENT USING BLOCKCHAIN TECHNOLOGY | APPLE, KIRSTEN SACHWITZ | 3693 | §101 | Final Rejection | — | Pending | Mar 28, 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 | 2439 | §103 | Non-Final OA | — | Pending | Mar 21, 2025 |
| 19069412 | METHOD AND SYSTEM FOR PROVIDING CRYPTOGRAPHIC CREDENTIALS | ZHOU, YINGYING | 3697 | §101§112 | Non-Final OA | 1d overdue | Pending | Mar 04, 2025 |
| 19063168 | SYSTEMS AND METHODS FOR DISTRIBUTING EVENT DRIVEN NETWORK SERVICES | ANDREI, RADU | 3697 | §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 | 2491 | 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 |
| 19042241 | COMPUTER-IMPLEMENTED METHODS AND SYSTEMS FOR AUTHENTIC USER-MERCHANT ASSOCIATION AND SERVICES | WILCOX, JAMES J | 2439 | §103Other | Non-Final OA | — | Pending | Jan 31, 2025 |
| 19042198 | COMPUTER-IMPLEMENTED METHODS AND SYSTEMS FOR AUTHENTIC USER-MERCHANT ASSOCIATION AND SERVICES | WILCOX, JAMES J | 2439 | §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 |
| 19015927 | SYSTEM AND METHOD FOR ASSISTING VISUALLY IMPAIRED USER TO LOCATE PAYMENT TERMINAL | GOYEA, OLUSEGUN | 3627 | §101§103 | Non-Final OA | — | Pending | Jan 10, 2025 |
| 19015439 | SYSTEMS AND METHODS FOR USE IN IDENTIFYING NETWORK INTERACTIONS | GETACHEW, WODAJO | 3697 | §101 | Final Rejection | — | Pending | Jan 09, 2025 |
| 19010548 | SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL | POE, KEVIN T | 3692 | §101 | Non-Final OA | — | Pending | Jan 06, 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 |
| 19008790 | METHOD TO DETERMINE THAT A CREDIT CARD NUMBER CHANGE HAS OCCURRED | CHOY, PAN G | 3624 | §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 |
| 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 | 2192 | §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 |
| 18952690 | SYSTEMS AND METHODS FOR ELECTRICAL ENERGY-BASED TRANSACTIONS | HARRINGTON, MICHAEL P | 3628 | §102§103 | Non-Final OA | — | Pending | Nov 19, 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 |
IP Author helps IP teams respond to office actions faster with AI-generated responses, examiner analytics, and prosecution intelligence.
Start Free TrialMastercard International Incorporated has 153 pending office actions as of October 2026, spread across 45 art units and 109 examiners.
Mary M Gregg has the most, with 9 of Mastercard International Incorporated's pending office actions.
Mostly Transportation, E-Commerce & Mechanical Systems (USPTO Tech Center 3600), based on where its pending office actions are examined.