Prosecution Insights
Prosecution Insights
142 pending office actions • 38 art units • 100 examiners • 1 of 142 (1%) have an AI response strategy ready • 153 patents granted in the last 365 days
Based on the USPTO statutory response window for each pending office action. 50 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. 50 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 (34%) |
| §101 + other | 52 (37%) |
| §103 only | 27 (19%) |
| §102 only | 2 (1%) |
| §112 only | 1 (1%) |
| Double-patenting only | 5 (4%) |
| Multi-statute (no §101) | 7 (5%) |
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 | 8 | 14.0% | +14.1% |
| YONO, RAVEN E | 7 | 39.6% | +32.8% |
| XIAO, ZESHENG | 4 | 43.7% | +32.0% |
| POE, KEVIN T | 3 | 39.5% | +16.1% |
| JUNG, HENRY H | 3 | 22.9% | +30.7% |
| FELTEN, DANIEL S | 3 | 46.1% | +12.6% |
| SHERR, MARIA CRISTI OWEN | 2 | 26.6% | +14.4% |
| KUO, CHENYUH | 2 | 73.6% | +52.4% |
| FU, HAO | 2 | 50.1% | +25.1% |
| ZHOU, YINGYING | 2 | 46.0% | +49.0% |
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 |
| 16946397 | METHOD AND SYSTEM FOR PAYMENT INTEGRATION WITH PROVENANCE SUPPLY CHAIN EVENTS | BUI, TOAN D. | 141d overdue |
| 18560893 | CONTENT VERIFICATION | LEE, CLAY C | 71d overdue |
| 18622848 | CHAINING TRANSACTIONS FOR FRAUD PREVENTION | KANERVO, VIRPI H | 50d overdue |
| 18771593 | METHODS AND SYSTEMS FOR PREDICTING REWARD LIABILITY DATA OF REWARD PROGRAMS | EL-HAGE HASSAN, ABDALLAH A | 49d 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 |
| 18606009 | CONTACTLESS PROVISIONING SYSTEMS AND METHODS | GARCIA MIZE, KARLYANNIE MARIE | 43d 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 |
|---|---|---|---|
| 18987811 | USER AUTHENTICATION AND TRANSACTION STAGING | FELTEN, DANIEL S | 11d 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 |
| 19069412 | METHOD AND SYSTEM FOR PROVIDING CRYPTOGRAPHIC CREDENTIALS | ZHOU, YINGYING | 1d overdue |
| 18472028 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 12d |
| 17556381 | METHOD AND SYSTEM OF PROVIDING FOR OFFLINE TRANSACTIONS IN DIGITAL CURRENCIES | SHERR, MARIA CRISTI OWEN | 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 |
| Art Unit | Apps |
|---|---|
| 3695 | 17 |
| 3694 | 16 |
| 3697 | 10 |
| 3698 | 9 |
| 3692 | 9 |
| 3693 | 8 |
| 3699 | 7 |
| 3627 | 6 |
| 3691 | 5 |
| 2437 | 4 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 19439783 | PERSONALLY IDENTIFIABLE INFORMATION SECURE PERSON-TO-PERSON PAYMENT TECHNOLOGY | XIAO, ZESHENG | 3698 | §101§103 | Non-Final OA | — | Pending | Jan 05, 2026 |
| 19147916 | OFF-LINE DISTRIBUTED TRANSACTION VALIDATION METHOD | SHERR, MARIA CRISTI OWEN | 3697 | §101§103 | Non-Final OA | — | Pending | Jul 14, 2025 |
| 19268960 | NATURAL LANGUAGE USER INTERFACE FOR AN AUTOMATED LOYALTY PROGRAM DESIGNER FRAMEWORK | SYROWIK, MATHEW RICHARD | 3621 | §103 | Non-Final OA | — | Pending | Jul 14, 2025 |
| 19220645 | PEER TO PEER VALUE TRANSFER | KUO, CHENYUH | 3697 | §103 | Final Rejection | — | Pending | May 28, 2025 |
| 19212309 | BIOMETRIC AUTHENTICATED FINANCIAL TRANSFERS | POE, KEVIN T | — | §103 | Non-Final OA | — | Pending | May 19, 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 |
| 19197411 | SYSTEMS AND METHODS FOR MANAGING A DATABASE FOR A DATA PROCESSING NETWORK | MILLER, JAMES H | — | §101§112 | Non-Final OA | — | Pending | May 02, 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 | §101§103§112 | Non-Final OA | — | Pending | Mar 27, 2025 |
| 19088515 | SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE USERS | JUNG, HENRY H | — | DP | Non-Final OA | — | Pending | Mar 24, 2025 |
| 19086285 | SYSTEMS AND METHODS FOR EXTENDING AUTHENTICATION | WANG, HARRIS C | — | §103 | Non-Final OA | — | Pending | Mar 21, 2025 |
| 19073906 | SYSTEMS AND METHODS FOR DETECTION OF FRAUD ATTACKS USING MERCHANTS TO TEST PAYMENT ACCOUNTS | KUO, CHENYUH | 3697 | DP | Final Rejection | 5d overdue | Pending | Mar 07, 2025 |
| 19069412 | METHOD AND SYSTEM FOR PROVIDING CRYPTOGRAPHIC CREDENTIALS | ZHOU, YINGYING | 3697 | §101§103 | Final Rejection | 1d overdue | Pending | Mar 04, 2025 |
| 19067131 | METHODS AND SYSTEMS FOR DETERMINING POTENTIAL RETURN TRANSACTIONS | NGUYEN, LIZ P | 3696 | §101§102 | Non-Final OA | — | Pending | Feb 28, 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 |
| 19029991 | SYSTEMS AND METHODS FOR REGULATING ACCESS TO DATA STORED IN A DATA SOURCE | EBERSMAN, BRUCE I | 3693 | §101§102Other | Final Rejection | 29d | Pending | Jan 17, 2025 |
| 19015439 | SYSTEMS AND METHODS FOR USE IN IDENTIFYING NETWORK INTERACTIONS | GETACHEW, WODAJO | 3697 | §101 | Non-Final OA | — | Pending | Jan 09, 2025 |
| 19009759 | SYSTEMS AND METHODS FOR ONBOARDING MERCHANTS IN REAL-TIME FOR PAYMENT PROCESSING | NGUYEN, TIEN C | — | §101 | Non-Final OA | — | 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 | §103 | Non-Final OA | — | Pending | Dec 20, 2024 |
| 18987811 | USER AUTHENTICATION AND TRANSACTION STAGING | FELTEN, DANIEL S | 3692 | §103 | 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 | Final Rejection | — | Pending | Dec 04, 2024 |
| 18967342 | SYSTEMS AND METHODS FOR RADIO FREQUENCY-BASED TRANSACTIONS | WARDEN, MICHAEL J | 3694 | §112 | Non-Final OA | — | Pending | Dec 03, 2024 |
| 18967092 | CONVERTING CARD-NOT-PRESENT TO CARD-PRESENT TRANSACTIONS FOR ONLINE TRANSACTIONS | HASBROUCK, MERRITT J | 3695 | §101 | Final Rejection | — | Pending | Dec 03, 2024 |
| 18967357 | METHOD AND SYSTEM FOR DETERMINING ALTERNATIVE PAYMENT METHODS AT A POINT OF SALE USING OPEN BANKING | BAIRD, EDWARD J | 3692 | §103 | Final Rejection | — | Pending | Dec 03, 2024 |
| 18966056 | SYSTEMS AND METHODS FOR USE IN NEUTRAL DATA ANALYSIS ACROSS DATA STRUCTURES | BUI, JONATHAN A | 2443 | §102§103Other | Non-Final OA | — | Pending | Dec 02, 2024 |
| 18962229 | ENHANCED SECURITY IN SENSITIVE DATA TRANSFER OVER A NETWORK | SHOLEMAN, ABU S | 2496 | §103 | Non-Final OA | — | Pending | Nov 27, 2024 |
| 18961814 | METHOD AND SYSTEM FOR ENABLING E-COMMERCE VIA DIGITAL WALLETS | IMMANUEL, ILSE I | 3699 | §101§103§112Other | Non-Final OA | — | Pending | Nov 27, 2024 |
| 18959184 | COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR OPEN BANKING RISK MODEL TESTING FRAMEWORK | POE, KEVIN T | 3692 | §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 |
| 18954484 | AUTHENTICATION USING PAYMENT ACCOUNT TRANSACTION DATA | WEISBERGER, RICHARD C | 3693 | §101§103 | Non-Final OA | — | Pending | Nov 20, 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 |
| 18952690 | SYSTEMS AND METHODS FOR ELECTRICAL ENERGY-BASED TRANSACTIONS | HARRINGTON, MICHAEL P | 3628 | §102§103 | Final Rejection | — | Pending | Nov 19, 2024 |
| 18953039 | METHODS AND SYSTEMS TO IDENTIFY FRAUD | FELTEN, DANIEL S | 3692 | §101§112 | 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 |
| 18951636 | FRAUD DETECTION BASED ON COLLABORATIVE FILTERING | MAGUIRE, LINDSAY M | 3619 | §101§103 | Non-Final OA | — | Pending | Nov 18, 2024 |
| 18947214 | SYSTEMS AND METHODS FOR TRANSACTION PRE-AUTHENTICATION | YONO, RAVEN E | 3694 | §101 | Final Rejection | — | Pending | Nov 14, 2024 |
| 18940378 | UNIFIED DIGITAL WALLET LINK ACCOUNT SYSTEMS AND METHODS | BUI, TOAN D. | 3693 | §101§103 | Final Rejection | — | 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 |
| 18938105 | SYSTEM AND METHOD FOR PROCESSING A GROUP PAYMENT TRANSACTION USING COMPUTER VISION AND BIOMETRIC INFORMATION | CRAWLEY, TALIA F | 3627 | §101§102§103 | Non-Final OA | — | Pending | Nov 05, 2024 |
| 18932337 | CONTEXT DRIVEN GENERATIVE ARTIFICIAL INTELLIGENCE (AI) BASED SYSTEM AND METHOD | BUNKER, WILLIAM B | 3691 | §103 | Final Rejection | — | Pending | Oct 30, 2024 |
| 18921968 | SYSTEMS AND METHODS FOR PASSIVE MULTI-FACTOR AUTHENTICATION OF DEVICE USERS | POLTORAK, PIOTR | 2433 | §103 | Final Rejection | — | Pending | Oct 21, 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 | Final Rejection | 42d overdue | Pending | Oct 18, 2024 |
| 18919849 | DEVICES, SYSTEMS, METHODS, AND NON-TRANSITORY COMPUTER-READABLE MEDIA FOR INDIVIDUAL IDENTITY AFFIRMATION | SHAH, BHAVIN D | 3694 | §101 | Final Rejection | — | Pending | Oct 18, 2024 |
| 18857640 | A MULTIPLE PAYMENT TOKENIZED DIGITAL TRANSACTION AUTHENTICATION METHOD | YONO, RAVEN E | 3694 | §101§103§112 | Final Rejection | — | Pending | Oct 17, 2024 |
| 18822063 | ANALYZING AND PRESENTING FACILITY RESOURCE USAGE DATA VIA A GUI | KRAISINGER, EMILY MARIE | 3626 | §101§103 | 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 | Final Rejection | — | Pending | Aug 29, 2024 |
| 18816554 | ANTI-SKIMMING DEVICE | KIM, TAE W | 2876 | §103 | Non-Final OA | — | Pending | Aug 27, 2024 |
| 18814735 | SYSTEMS AND METHODS FOR PROVIDING A BUY NOW, PAY LATER OFFER WITH OPEN BANKING | OJIAKU, CHIKAODINAKA | 3696 | §101 | Non-Final OA | — | Pending | Aug 26, 2024 |
| 18801570 | METHOD AND SYSTEM FOR FACILITATING UTILIZATION OF REWARD POINTS | OSMAN BILAL AHMED, AFAF | 3622 | §101 | Non-Final OA | — | Pending | Aug 12, 2024 |
| 18794210 | IN-APPLICATION TRANSACTION INTERFACE | OYEBISI, OJO O | 3695 | §101§102§103 | Final Rejection | — | Pending | Aug 05, 2024 |
| 18785458 | Methods and Systems for Managing Programmable Currency-Based Transactions Through Nested Smart Contract-Based Wallets | SHAHABI, ARI ARASTOO | 3697 | §101§102§103 | Non-Final OA | — | Pending | Jul 26, 2024 |
| 18780453 | METHODS AND SYSTEMS FOR MANAGING DEFAULT RISK ASSOCIATED WITH TRANSIT TRANSACTIONS | RANKINS, WILLIAM E | 3694 | §101 | Final Rejection | — | Pending | Jul 22, 2024 |
| 18775844 | SYSTEMS AND METHODS FOR USE IN INTELLIGENT BINDING BASED ON NETWORK TRANSACTIONS | WONG, ERIC TAK WAI | 3693 | §101 | Non-Final OA | — | Pending | Jul 17, 2024 |
| 18771593 | METHODS AND SYSTEMS FOR PREDICTING REWARD LIABILITY DATA OF REWARD PROGRAMS | EL-HAGE HASSAN, ABDALLAH A | 3600 | §101§103 | Non-Final OA | 49d overdue | Pending | Jul 12, 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 |
| 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 |
| 18750826 | MACHINE LEARNING BASED POST-AUTHORIZATION MODELING SYSTEM AND METHOD | YONO, RAVEN E | 3694 | §101 | Non-Final OA | — | Pending | Jun 21, 2024 |
| 18750787 | ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR EARLY DETECTION OF ANOMALOUS BEHAVIOR AT OFF-NETWORK ACCOUNTS | SHAH, BHAVIN D | 3694 | §101 | Non-Final OA | — | Pending | Jun 21, 2024 |
| 18563356 | SECURITY FOR ONLINE CONTACTLESS TRANSACTIONS | LOZA, JANICE JOMARIE | 3698 | §101§102§103 | Non-Final OA | — | Pending | Jun 04, 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 |
| 18676054 | METHOD AND SYSTEM USING LOYALTY COINS AS DIGITAL CURRENCY WITH SMART CONTRACTS | ZHOU, YINGYING | 3697 | §101§103 | Non-Final OA | — | Pending | May 28, 2024 |
| 18671746 | SYSTEMS AND METHODS FOR GENERATING CUSTOMER SATISFACTION SCORE | NGUYEN, TAN D | 3629 | §101 | Final Rejection | — | Pending | May 22, 2024 |
| 18667850 | SYSTEMS AND METHODS FOR EXECUTING CROSS-NETWORK OPERATIONS | ABDULLAEV, AMANULLA | 3692 | §101§103 | Final Rejection | — | Pending | May 17, 2024 |
| 18710832 | ACCOUNT LINKING INDEX STRUCTURE IN A NETWORK | CHISM, STEVEN R | 3692 | §101§112 | Final Rejection | 22d | Pending | May 16, 2024 |
| 18666736 | METHOD AND SYSTEM OF SIMPLIFIED SETTLEMENT BETWEEN ISSUERS USING BLOCKCHAIN TECHNOLOGY | FELTEN, DANIEL S | 3692 | §101 | Final Rejection | — | Pending | May 16, 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 |
| 18664476 | INFORMATION TRANSACTION INFRASTRUCTURE | CHOI, YUE YIN | 3699 | §101Other | Final Rejection | — | 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 |
| 18642694 | SYSTEMS AND METHODS FOR USE IN PROVISIONING TOKENS FOR UNSUPPORTED ACCOUNTS | ALLADIN, AMBREEN A | 3691 | §101 | Final Rejection | — | Pending | Apr 22, 2024 |
| 18636106 | SYSTEMS AND METHODS FOR USE IN STAND-IN NETWORK SERVICES | XIAO, ZESHENG | 3698 | §101§103 | Final Rejection | — | Pending | Apr 15, 2024 |
| 18622848 | CHAINING TRANSACTIONS FOR FRAUD PREVENTION | KANERVO, VIRPI H | 3691 | §101 | Non-Final OA | 50d overdue | Pending | Mar 29, 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 | §101§103 | Final Rejection | 43d overdue | Pending | Mar 15, 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 | Final Rejection | — | 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 |
| 18586964 | Systems and Methods for Use in Assessments in Connection with Cyber Attacks | ZHAO, DON GORDON | 2493 | §101§112 | Final Rejection | 37d overdue | Pending | Feb 26, 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 |
| 18406833 | COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR FEED-FORWARD, FEED-BACKWARD ENTITY STANDARDIZATION | PASHA, ATHAR N | 2657 | §101§103 | Non-Final OA | 84d | Pending | Jan 08, 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 | Final Rejection | 12d | Pending | Nov 16, 2023 |
| 18560893 | CONTENT VERIFICATION | LEE, CLAY C | 3699 | §101§103 | Non-Final OA | 71d overdue | Pending | Nov 14, 2023 |
| 18387437 | SYSTEMS AND METHODS FOR USE IN TOKEN MANAGEMENT | XIAO, ZESHENG | 3698 | §101§103§112 | Final Rejection | — | Pending | Nov 06, 2023 |
| 18487930 | SYSTEMS AND METHODS FOR GENERATING TOKENS FOR TRACKING ITEMS USING A BLOCKCHAIN | CHISM, STEVEN R | 3692 | §101 | Final Rejection | — | Pending | Oct 16, 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 |
| 18472028 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§103 | Final Rejection | 12d | 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 |
| 18472043 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING | GREGG, MARY M | 3695 | §101§103 | Non-Final OA | — | Pending | Sep 21, 2023 |
| 18367718 | EXPENSE MANAGEMENT SYSTEM FOR IMPROVED DATA CAPTURE | JUNG, HENRY H | 3695 | §101§103 | Final Rejection | — | Pending | Sep 13, 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 |
| 18455546 | METHODS AND SYSTEMS FOR MITIGATING NEGATIVE TRANSFER IN MULTI-TASK LEARNING | CHUANG, SU-TING | 2146 | §101§112 | Non-Final OA | — | Pending | Aug 24, 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 |
| 18448877 | ARTIFICIAL INTELLIGENCE-BASED METHODS AND SYSTEMS FOR GENERATING ACCOUNT-RELATED SUMMARIES | LEE, TSU-CHANG | 2128 | §101 | Non-Final OA | — | Pending | Aug 11, 2023 |
| 18448727 | GRAPH NEURAL NETWORK BASED METHODS AND SYSTEMS FOR FRAUD DETECTION IN ELECTRONIC TRANSACTIONS | LEE, TSU-CHANG | 2128 | §101 | Non-Final OA | — | Pending | Aug 11, 2023 |
| 18448105 | DYNAMIC CUSTOMIZED INCENTIVES FOR INSTALLMENT PAYMENT PLANS | HEWITT II, CALVIN L | 4100 | §101§112 | Final Rejection | 259d overdue | Pending | Aug 10, 2023 |
| 18359673 | SYSTEMS AND METHODS FOR TOKENIZATION OF PERSONALLY IDENTIFIABLE INFORMATION (PII) AND PERSONAL HEALTH INFORMATION (PHI) | FARROW, FELICIA | 2437 | §103 | Final Rejection | 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 | AI Ready | Jul 17, 2023 |
| 18349699 | SYSTEMS AND METHODS FOR EARLY DETECTION OF NETWORK FRAUD EVENTS | POINVIL, FRANTZY | 3693 | §101 | Final Rejection | 19d overdue | Pending | Jul 10, 2023 |
| 18218254 | METHOD AND SYSTEM FOR DETECTING FRAUDULENT TRANSACTIONS INVOLVING NON-FUNGIBLE TOKENS (NFT) | PINSKY, DOUGLAS W | 3626 | §101§103 | Final Rejection | — | Pending | Jul 05, 2023 |
| 18207073 | SYSTEMS AND METHODS FOR USE IN AUTHENTICATING CONSUMERS IN CONNECTION WITH PAYMENT ACCOUNT TRANSACTIONS | EBERSMAN, BRUCE I | 3693 | §103 | Non-Final OA | — | Pending | Jun 07, 2023 |
| 18204360 | SYSTEMS AND METHODS FOR FACILITATING NETWORK VOICE AUTHENTICATION | SHARON, AYAL I | 3695 | §103 | Non-Final OA | — | Pending | May 31, 2023 |
| 18324315 | ARTIFICIAL INTELLIGENCE ENGINE FOR ENTITY RESOLUTION AND STANDARDIZATION | KASSIM, IMAD MUTEE | 2129 | §101 | Final Rejection | 15d overdue | Pending | May 26, 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§102§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 | Final Rejection | 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 |
| 18131310 | SYSTEMS AND METHODS FOR MANAGING USER IDENTITIES IN NETWORKS | NOEL, LYDIA LOUIS-FILS | 2437 | §103 | Non-Final OA | — | Pending | Apr 05, 2023 |
| 18029052 | LOCATION DETERMINATION | WILDER, ANDREW H | 3627 | §103 | Non-Final OA | — | Pending | Mar 28, 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 |
| 18167694 | SYSTEMS AND METHODS FOR ADVANCED USER AUTHENTICATION IN ACCESSING A COMPUTER NETWORK | JIMENEZ, JUSTIN ABEL | 3697 | §102 | Final Rejection | 22d overdue | Pending | Feb 10, 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 |
| 18150190 | TRANSACTION CLASSIFICATION AT A POINT OF SALE | YU, ARIEL J | 3627 | §101§103 | Non-Final OA | — | Pending | Jan 04, 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 | §103 | Non-Final OA | — | Pending | Nov 14, 2022 |
| 17951520 | SYSTEMS AND METHODS FOR USE IN BIOMETRIC INTERACTIONS | WARDEN, MICHAEL J | 3694 | §101§112 | 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 |
| 17877598 | DEEP LEARNING SYSTEMS AND METHODS FOR PREDICTING IMPACT OF CARDHOLDER BEHAVIOR BASED ON PAYMENT EVENTS | EL-HAGE HASSAN, ABDALLAH A | 3623 | §101 | Final Rejection | — | Pending | Jul 29, 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 |
| 17828945 | IDENTIFICATION OF FRAUDULENT HEALTHCARE PROVIDERS THROUGH MULTIPRONGED AI MODELING | NAJARIAN, LENA | 3687 | §101 | Final Rejection | — | Pending | May 31, 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 |
| 17638573 | TRANSACTION SYSTEM MANAGEMENT | AKINTOLA, OLABODE | 3691 | §101 | Final Rejection | 30d overdue | Pending | Feb 25, 2022 |
| 17635493 | IOT Devices | KANAAN, TONY P | 3600 | §101 | Final Rejection | — | 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 |
| 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 |
| 17152614 | METHODS AND SYSTEMS FOR FACILITATING DONATION TRANSACTIONS AND REAL TIME DONOR NOTIFICATIONS | CRAWLEY, TALIA F | 3627 | §101§103 | Final Rejection | 14d | Pending | Jan 19, 2021 |
| 16946397 | METHOD AND SYSTEM FOR PAYMENT INTEGRATION WITH PROVENANCE SUPPLY CHAIN EVENTS | BUI, TOAN D. | 3693 | §101§103 | Non-Final OA | 141d overdue | Pending | Jun 19, 2020 |
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