Prosecution Insights
Last updated: October 22, 2026

Visa International Service Association: all pending office actions

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App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19483284 System, Method, and Computer Program Product for Transferring Assets with a Virtual Account BAIRD, EDWARD J 3692 §101§102§112 Non-Final OA — Pending Nov 11, 2025
19360208 System, Method, and Computer Program Product for Generating Synthetic Graphs That Simulate Real-Time Transactions SUBRAMANIAN, NARAYANSWAMY 3691 §101 Non-Final OA — Pending Oct 16, 2025
19474151 SHIELD-UP SYSTEM AND METHOD FOR PAYMENT TRANSACTIONS BRIDGES, CHRISTOPHER 3693 §101§102§103 Non-Final OA — Pending Oct 09, 2025
19471931 VERIFICATION USING BLOCKCHAIN SMART CONTRACT STEVENSON, CHRISTINA C 3698 §101§103 Non-Final OA — Pending Oct 02, 2025
19311038 Payment Device and Method for Verification Using a Magnetometer BRIDGES, CHRISTOPHER 3693 §102§103 Non-Final OA — Pending Aug 27, 2025
19155176 VARIABLE CROSS PLATFORM INTERACTION CONTINUITY ABDULLAEV, AMANULLA 3692 §101§103 Non-Final OA — Pending Aug 08, 2025
19293475 AUTHENTICATION SYSTEMS AND METHODS USING LOCATION MATCHING WONG, ERIC TAK WAI 3693 §101§103 Non-Final OA — Pending Aug 07, 2025
19282649 RAPID AUTO-RETRIEVAL OF ALIASES FOR INTERACTION GAW, MARK H 3693 §101§102§103 Non-Final OA — Pending Jul 28, 2025
19281933 System, Method, and Computer Program Product for Dynamic Passcode Communication TRAN, HAI 3695 §101§103Other Non-Final OA — Pending Jul 28, 2025
19149948 System, Method, and Computer Program Product for Multi Account Access Based on a Single Credential SHAH, BHAVIN D 3694 §101§112 Non-Final OA — Pending Jul 22, 2025
19147852 CHAINING OF TOKENS SIDDIQI, MOHAMMAD A 2493 §103 Non-Final OA — Pending Jul 14, 2025
19145634 Method, System, and Computer Program Product for Encapsulated Multi-Functional Framework WARDEN, MICHAEL J 3694 §102§103 Non-Final OA — Pending Jul 03, 2025
19144326 SYSTEM AND METHOD FOR REMEMBERING A RETURNING USER NAJI, YOUNES 2445 §103 Non-Final OA — Pending Jun 27, 2025
19141542 System, Method, and Computer Program Product for Real-Time Change Detection LANE, GREGORY A 2438 §103 Non-Final OA — Pending Jun 20, 2025
19244158 QUERY RECORD ESTIMATOR ASPINWALL, EVAN S 2156 §101§103 Non-Final OA — Pending Jun 20, 2025
19134014 RAPID VALUE TRANSFER BETWEEN DIFFERENT VALUE SYSTEMS FELTEN, DANIEL S 3692 §103 Non-Final OA — Pending May 29, 2025
19127679 METHOD AND SYSTEM FOR PROVIDING ENERGY TO VEHICLES USING SECURE CREDENTIAL TRANSFER GARCIA MIZE, KARLYANNIE MARIE 3698 §101§103§112 Non-Final OA — Pending May 06, 2025
19197868 PRIVACY-PRESERVING DATA DEDUPLICATION LE, CHAU D 2408 Other Non-Final OA — Pending May 02, 2025
19196067 INSTANT TOKEN ISSUANCE CHOI, YUE YIN 3699 §101§103 Non-Final OA — Pending May 01, 2025
19192147 PROCESSING METHOD USING VALIDATION KEY FARAMARZI, GITA 2496 §103 Non-Final OA — Pending Apr 28, 2025
19122903 SYSTEM AND METHOD FOR PERFORMING A FAST LIMITED CHARACTER SEARCH PHAM, KHANH B 2166 §101§102 Non-Final OA — Pending Apr 21, 2025
19184623 GLOBAL REMITTANCE SYSTEM AND METHOD GAW, MARK H 3693 §101 Non-Final OA — Pending Apr 21, 2025
19184937 NFT INTERACTION PROCESSING SYSTEM AND METHOD RAHIM, MONJUR 2436 §102DP Non-Final OA — Pending Apr 21, 2025
19119130 DEVICES, SYSTEMS, AND METHODS FOR ENABLING PERSONAL AUTHORIZATION OF FINANCIAL TRANSACTIONS SHAIKH, MOHAMMAD Z 3694 §101 Non-Final OA — Pending Apr 08, 2025
19117748 CARD WITH MAGNET ARRAY MARSHALL, CHRISTLE I 2876 §102§103 Final Rejection 22d Pending Apr 02, 2025
19098347 INTEGRATED CLAIMS PROCESSING HUB SHARON, AYAL I 3695 §101§103 Final Rejection 34d Pending Apr 02, 2025
19085075 System, Method, and Computer Program Product for Authenticating a Device Based on an Application Profile RAHMAN, SM AZIZUR 2434 §102 Non-Final OA — Pending Mar 20, 2025
19082671 COMPREHENSIVE STORAGE APPLICATION PROVISIONING USING A PROVISIONING SOFTWARE DEVELOPMENT KIT (SDK) SIDDIQI, MOHAMMAD A 2493 §101§103Other Non-Final OA — Pending Mar 18, 2025
19109117 CONTACTLESS TRANSACTION RECTIFICATION SYSTEM AND METHOD HASBROUCK, MERRITT J 3695 §101§103 Non-Final OA — Pending Mar 05, 2025
19065787 GLOBAL RELYING PARTY SYSTEM FOR VALIDATING DIGITAL IDENTITY CREDENTIALS DUCK, BRANDON M 3693 §101§103 Non-Final OA 15d overdue Pending Feb 27, 2025
19059204 EFFICIENT CLEARING TECHNIQUES HOLLY, JOHN H 3696 §101§103 Non-Final OA — Pending Feb 20, 2025
19105287 SYSTEM AND METHOD FOR PERFORMING DEVICE ISOLATION IN AN AUTHENTICATION NETWORK ZARKA, DAVID PETER 2449 §102§103§112 Non-Final OA — Pending Feb 20, 2025
19052903 Method, System, and Computer Program Product for Processing a Non-Fungible Token Having a Dynamic Value SHARVIN, DAVID P 3692 §101§103 Final Rejection — Pending Feb 13, 2025
19102914 TRANSACTION CODE ACCOUNT BASED PAYMENT SYSTEM MALKOWSKI, MARK A 3696 §101§103 Non-Final OA — Pending Feb 11, 2025
19033951 USER AUTHENTICATION AT ACCESS CONTROL SERVER USING MOBILE DEVICE ZHANG, SHIRLEY X 2447 §102§103 Final Rejection — Pending Jan 22, 2025
19015281 PORTABLE DEVICE BLOCKING AND UNBLOCKING BASED ON WEARABLE DEVICE PROXIMITY WRIGHT, BRYAN F 2497 §103 Final Rejection — Pending Jan 09, 2025
19007144 CRYPTOCURRENCY INFRASTRUCTURE SYSTEM IMMANUEL, ILSE I 3699 §101§103§112Other Final Rejection — Pending Dec 31, 2024
18980729 INTEROPERABLE VALUE EXCHANGE SYSTEM AND METHOD PRESTON, JOHN O 3693 §101§103 Final Rejection 34d Pending Dec 13, 2024
18953504 System, Method, and Computer Program Product for Determining a Pseudo-Identity Score in a Virtual Environment Based on a Blockchain Network COBB, MATTHEW 3661 §103 Final Rejection — Pending Nov 20, 2024
18945825 Method, System, and Computer Program Product for Dynamically Assigning an Inference Request to a CPU or GPU WU, QING YUAN — §102§103 Non-Final OA — Pending Nov 13, 2024
18930825 TECHNIQUES FOR SECURELY PERFORMING OFFLINE AUTHENTICATION VAUGHAN, MICHAEL R 2431 §103 Final Rejection 5d overdue Pending Oct 29, 2024
18905709 Method, System, and Computer Program Product for Improving Matching Algorithms PATEL, DIPEN M 3621 §101 Non-Final OA 24d overdue Pending Oct 03, 2024
18901523 AUTOMATED TASK DELIVERY USING CHECKPOINTING ABSHER, LUCAS DONALD 2194 §103 Non-Final OA — Pending Sep 30, 2024
18899780 STOP PAYMENT SERVICE BY-PASS AND REMOVAL BRIDGES, CHRISTOPHER 3693 §101 Non-Final OA — Pending Sep 27, 2024
18847710 System, Method, and Computer Program Product for Preventing Miner Extractable Value (MEV) Attacks in a Blockchain Network SAX, TIMOTHY PAUL 3698 §103 Non-Final OA 55d Pending Sep 17, 2024
18887925 SECURING ACCESS DATA USE WITH DEVICE DATA STEVENSON, CHRISTINA C 3698 §101§103 Final Rejection — Pending Sep 17, 2024
18846914 IN-PERSON PEER-TO-PEER TRANSFER USING TAP ROSEN, ELIZABETH H 3693 §101 Non-Final OA — Pending Sep 13, 2024
18884659 SECONDARY ACCOUNT MANAGEMENT PLATFORM KIM, STEVEN S 3698 §101§103§112DP Non-Final OA 41d Pending Sep 13, 2024
18844375 CRYPTOGRAPHIC KEY STORE ON CARD NARRAMORE, BLAKE I 2438 §103 Non-Final OA 23d overdue Pending Sep 05, 2024
18820654 METHOD FOR VERIFICATION OF HARDWARE-BASED AND SOFTWARE-BASED PAYMENT TERMINAL AUTHENTICITY DURING CARDHOLDER VERIFICATION MALHOTRA, SANJEEV 3691 §101 Final Rejection — Pending Aug 30, 2024
18727757 System, Method, and Computer Program Product for System Machine Learning in Device Placement MOORE, URIAH VENDELL — §103 Non-Final OA — Pending Jul 10, 2024
18728063 MULTI-LEVEL FINGERPRINTS TO DERIVE MISSING DATA DURING RETRY DETECTION DINH, KHANH Q 2458 §102§103 Final Rejection — Pending Jul 10, 2024
18737266 Systems and Methods to Manage Transaction Between Providing Entity and Receiving Entity DAGNEW, SABA 3621 §101Other Final Rejection — Pending Jun 07, 2024
18716450 UNIVERSAL PAYMENT CHANNEL SYSTEM AND METHOD IMMANUEL, ILSE I 3699 §101§103 Non-Final OA 62d Pending Jun 04, 2024
18678015 System, Method, and Computer Program Product for Evolutionary Learning in Verification Template Matching During Biometric Authentication LEY, SALLY THI 2147 §103§112 Non-Final OA — Pending May 30, 2024
18712048 AUTOMATIC MODEL ONBOARDING AND SEARCHING-BASED OPTIMIZATION SMITH, KEVIN LEE 2122 §101§103 Non-Final OA — Pending May 21, 2024
18702496 Method, System, and Computer Program Product for Auto-Profiling Anomalies HILMANTEL, ADAM J 3691 §101 Final Rejection 43d Pending Apr 18, 2024
18702382 System, Method, and Computer Program Product for Denoising Sequential Machine Learning Models STARKS, WILBERT L 2122 §101 Non-Final OA — Pending Apr 18, 2024
18698724 STATISTICALLY RECEIVER PRIVATE OBLIVIOUS TRANSFER FROM CDH VO, ETHAN VIET 2431 §102§103§112 Final Rejection — Pending Apr 04, 2024
18694152 System, Method, and Computer Program Product for Identifying Weak Points in a Predictive Model ASEGDEW, NATNAEL AREGA 2122 §101§103§112 Non-Final OA — Pending Mar 21, 2024
18693651 System, Method, and Computer Program Product for Tuning Prediction Results of Machine Learning Models BRAHMACHARI, MANDRITA 2144 §101§103 Non-Final OA — Pending Mar 20, 2024
18596724 DATA TRACKER ZELASKIEWICZ, CHRYSTINA E 3699 §103 Final Rejection — Pending Mar 06, 2024
18596607 SYSTEM AND METHOD FOR IMPLEMENTING ENHANCED PAYMENT ON DELIVERY RANKINS, WILLIAM E 3694 §101§112 Final Rejection — Pending Mar 05, 2024
18682080 METHOD AND SYSTEM FOR GENERATING A SECRET KEY USING NON-COMMUNICATING ENTITIES DAVIS, ZACHARY A 2492 §101§103§112 Final Rejection 2d overdue Pending Feb 07, 2024
18435374 Method, System, and Computer Program Product for Training Distributed Machine Learning Models WERNER, MARSHALL L 2125 §101§103§112Other Non-Final OA — Pending Feb 07, 2024
18416767 SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT CUNNINGHAM II, GREGORY S 3600 §101 Final Rejection — Pending Jan 18, 2024
18414594 PAYMENT NETWORK INTENT MONEY MANAGER WORJLOH, JALATEE 3697 §101 Non-Final OA 30d overdue Pending Jan 17, 2024
18578406 System, Method, and Computer Program Product for Segmentation Using Knowledge Transfer Based Machine Learning Techniques CHEN, ALAN S 2125 §103§112 Non-Final OA — Pending Jan 11, 2024
18396099 Apparatus, System, and Method for Enabling Secure Transactions with Haptic Authorization LEE, CLAY C 3699 §103 Final Rejection 36d Pending Dec 26, 2023
18390758 System, Method, and Computer Program Product for Real-Time Account Level Rule Exclusion for Real-Time Payments PINSKY, DOUGLAS W 3626 §101 Final Rejection — Pending Dec 20, 2023
18489673 SYSTEM AND METHOD WITH REAL TIME MESSAGING EKECHUKWU, CHINEDU U 3695 §101§103 Final Rejection — Pending Oct 18, 2023
18488135 Apparatus, System, and Method for Enabling Secure Transactions with Audible Authorization XIAO, ZESHENG 3698 §103 Non-Final OA — Pending Oct 17, 2023
18482578 TRAVELER THEMATIC DESTINATION SEGMENTATION KOESTER, MICHAEL RICHARD 3624 §101 Non-Final OA — Pending Oct 06, 2023
18374799 Method, System, and Computer Program Product for Coordinated Analysis of Output Scores and Input Features of Machine Learning Models in Different Environments MOORE, URIAH VENDELL 2142 §101 Non-Final OA — Pending Sep 29, 2023
18474729 MULTILAYER IDENTITY TRANSACTION CONTROL AND VERIFICATION FOR E-COMMERCE TRANSACTIONS CUNNINGHAM II, GREGORY S 3694 §101 Final Rejection 29d Pending Sep 26, 2023
18550246 MULTI-FACTOR AUTHENTICATION SYSTEM AND METHOD AVERY, BRIAN WILLIAM 2495 §103 Non-Final OA — Pending Sep 12, 2023
18463027 ANOMALY DETECTION SYSTEM FOR MOBILE PAYMENT FUND TRANSFERS LIU, I JUNG 3695 §101§103§112 Non-Final OA — Pending Sep 07, 2023
18280493 System, Method, and Computer Program Product for State Compression in Stateful Machine Learning Models SHAW, PETER C 2493 §103 Final Rejection — Pending Sep 06, 2023
18229272 System, Method, Computer Program Product for Operating a Gated Multilayer Perceptron Machine Learning Model Architecture KAPOOR, DEVAN 2126 §103 Final Rejection — Pending Aug 02, 2023
18272810 System, Method, and Computer Program Product for Generating Synthetic Graphs That Simulate Real-Time Transactions SUBRAMANIAN, NARAYANSWAMY 3692 §101 Non-Final OA — Pending Jul 18, 2023
18220912 System, Method, and Computer Program Product for Evaluating a Fraud Detection System HILMANTEL, ADAM J 3691 §101Other Non-Final OA — Pending Jul 12, 2023
18346370 CENTRAL PAYMENT SYSTEM FOR PERIODIC MERCHANT SETTLEMENT JUNG, HENRY H 3695 §101 Final Rejection — Pending Jul 03, 2023
18330122 SYNTHESIZING REALISTIC TIME SERIES WITH OUTLIERS STORK, KYLE R 2128 §101§103 Final Rejection — Pending Jun 06, 2023
18314625 BROWSER EXTENSION FOR CLIENT-SIDE TOKENIZED AUTHENTICATION GEORGALAS, ANNE MARIE 3689 §103 Non-Final OA 83d Pending May 09, 2023
18312402 MUTUAL AUTHENTICATION OF PEER-TO-PEER PAYMENTS KHATRI, NILESH B 3699 §101 Non-Final OA — Pending May 04, 2023
18185444 ACCELERATED ADVERSARIAL TRAINING FOR LARGE-SCALE SOURCE CODE DATASETS VIA FEATURE-SPACE TRANSFORMATION DEVORE, CHRISTOPHER DILLON 2129 §101§103 Final Rejection 5d Pending Mar 17, 2023
18044736 DYNAMIC GRAPH NODE EMBEDDING VIA LIGHT CONVOLUTION TRAN, DAVID HOANG 2147 §101§103 Final Rejection 12d Pending Mar 09, 2023
18044060 SECURE AND SCALABLE PRIVATE SET INTERSECTION FOR LARGE DATASETS MUNGUIA, DUILIO 2497 §103 Final Rejection 3d overdue Pending Mar 03, 2023
17957925 DIGITAL FIAT CURRENCY SMITH, SLADE E 3696 §101 Final Rejection 18d overdue Pending Sep 30, 2022
17907932 DIGITAL TAG RAZA, ZEHRA 3697 §103 Non-Final OA 49d Pending Aug 29, 2022
17898347 AUTOMATED DATA CAPTURE PROCESSING GAW, MARK H 3693 §101 Final Rejection 56d Pending Aug 29, 2022
17801756 Token-For-Token Provisioning SHAUGHNESSY, AIDAN EDWARD 2432 §103§112 Final Rejection — Pending Aug 23, 2022
17791522 Unified Contactless Kernel System And Method TURK, BROCK E 3692 §103 Non-Final OA — Pending Jul 07, 2022
17790720 SYSTEM AND METHOD FOR TOKEN PROCESSING IDIAKE, VINCENT I 3698 §103 Non-Final OA — Pending Jul 01, 2022
17784981 PLAN INTERACTION UTILIZING CRYPTOGRAM DIROMA, SCOTT MICHAEL 3698 §103 Final Rejection 27d Pending Jun 13, 2022
17836249 System, Method, and Computer Program Product for Event Forecasting Using Graph Theory Based Machine Learning TRAN, DAVID HOANG 2147 §101§103 Final Rejection — Pending Jun 09, 2022
17590249 Method, System, and Computer Program Product for Multi-Task Learning in Deep Neural Networks FACCENDA, GISEL GABRIELA 2127 §101§112 Non-Final OA — Pending Feb 01, 2022
17533985 MACHINE LEARNING AND STATISTICAL BASED ANOMALY DETECTION ALGORITHM TO REACT TO CORRELATION SHIFTS SMITH, KEVIN LEE 2122 §101 Final Rejection — Pending Nov 23, 2021
17432989 SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR GENERATING ENHANCED N-GRAM MODELS LIU, CHIA-YI 3692 §101 Final Rejection — Pending Aug 23, 2021
17413441 PROVISIONING INITIATED FROM A CONTACTLESS DEVICE LOPEZ, MIGUEL ALEXANDER 2496 §102§103§112 Final Rejection — Pending Jun 11, 2021
17337742 SYSTEMS AND METHODS FOR VERIFYING AND PROCESSING TRANSACTIONS USING VIRTUAL CURRENCY KING, DAVIDA LEE 3699 §103 Final Rejection 16d Pending Jun 03, 2021
17261676 PRIVACY PRESERVING AI DERIVED SIMULATED WORLD YESILDAG, MEHMET 3624 §101 Final Rejection 55d Pending Jan 20, 2021
16981246 AUTOMATED MACHINE LEARNING SYSTEMS AND METHODS TRAN, DANIEL DUC 2147 §101§103§112 Non-Final OA — Pending Sep 15, 2020

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