Prosecution Insights
Last updated: October 25, 2026

PayPal Inc.

Technology areas: Computing & Software • Transportation, E-Commerce & Mechanical Systems

106 pending office actions • 58 art units • 97 examiners • 0 of 106 (0%) have an AI response strategy ready • 181 patents granted in the last 365 days

Analysis

PayPal Inc. has 109 pending office actions in Transportation, E-Commerce & Mechanical Systems. The matters are distributed across 98 distinct examiners and 59 distinct art units, demonstrating broad prosecution activity despite the common technology-area classification.

SHALU, ZELALEM W is the busiest identified examiner, with 3 pending matters. This dispersion favors standardized internal review, shared issue tracking, and reusable technical explanations, supplemented by targeted oversight of the matters before the identified examiner.

Written from this page's own data; every figure is computed from USPTO records and verified before publication.

Portfolio Summary

106
Total Pending OAs
44
Non-Final OAs
55
Final Rejections
7
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 36 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

17
Overdue
1
Due this week
11
Due this month
5
Due in next 60 days
2
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. 36 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (17)Due ≤ 7 days (1)Due ≤ 30 days (11)Due ≤ 60 days (5)Due later (2)

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.

80
Hard (75%)
26
Medium (25%)
0
Easy (0%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only24 (23%)
§101 + other44 (42%)
§103 only24 (23%)
§102 only1 (1%)
Double-patenting + other1 (1%)
Multi-statute (no §101)12 (11%)

Industry Mix

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

0
Life Sciences
0% of docket
42
Information Tech
40% of docket
9
Communications
8% of docket
0
Semiconductors
0% of docket
55
Mechanical / Eng
52% of docket
0
Business / Other
0% 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.

1,060 h
Manual time on pending OAs
212 h
Time saved (low, 20%)
371 h
Time saved (mid, 35%)
9.3 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
SHALU, ZELALEM W 3 31.9% +21.7%
PHAM, TUAN A 2 83.6% +27.0%
NGUYEN, THU N 2 71.7% +26.3%
ROSEN, ELIZABETH H 2 46.0% +49.9%
BEKERMAN, MICHAEL 2 32.9% +30.2%
ABDULLAEV, AMANULLA 2 23.1% +33.4%
ZIMMERMAN, MATTHEW E 2 51.7% +46.2%
BORLINGHAUS, JASON M 2 47.5% +21.5%
FENSTERMACHER, JASON B 1 47.3% +37.4%
LOZA, JANICE JOMARIE 1 11.8% +33.3%

Quick Wins (2)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 2 ordered by deadline are shown.

App #TitleExaminerDue in
19247600 EXTENSIVE-DIMENSIONAL SOLUTIONS FOR DATA LINEAGE PHAM, TUAN A —
18783096 ADAPTIVE ARTIFICIAL INTELLIGENCE MODEL FRAMEWORK PHAM, TUAN A —

Hard Cases (81)

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
17710934 PARTNER FEE RECOMMENDATION SERVICE LEE, PO HAN 182d overdue
18216354 RISK CALCULATION USING ENTITY GRAPH WITH EDGE WEIGHTS BY CARDINALITY PUTTAIAH, ASHA 169d overdue
18090284 POWER USAGE AND RESOURCE OPTIMIZATION USING MACHINE LEARNING BOLEN, NICHOLAS D 50d overdue
17557693 FEATURE DEPRECATION ARCHITECTURES FOR DECISION-TREE BASED METHODS NAULT, VICTOR ADELARD 49d overdue
16687554 INTELLIGENT POPULATION OF INTERFACE ELEMENTS FOR CONVERTING TRANSACTIONS PINSKY, DOUGLAS W 46d overdue
18148979 PROVIDING APPLICATION NOTIFICATION FOR COMPUTING APPLICATION LIMITATIONS BORLINGHAUS, JASON M 42d overdue
17580001 LINKAGE DATA GENERATOR STORK, KYLE R 22d overdue
18733305 ANONYMITY-ENABLED TRANSMISSION OF NOTIFICATIONS WITHOUT EXCHANGING CONTACT IDENTIFIERS JAMES, GREGORY MARK 18d overdue

Interview Candidates (19)

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
18148979 PROVIDING APPLICATION NOTIFICATION FOR COMPUTING APPLICATION LIMITATIONS BORLINGHAUS, JASON M 42d overdue
18306121 COMMUNICATION DEVICE INTERFACE FOR MERCHANT CHECK-IN AND SHOPPING NOTIFICATIONS BEKERMAN, MICHAEL 4d overdue
17721993 OPTIMIZING TRAINING DATA GENERATION FROM REAL-TIME PREDICTION SYSTEMS FOR INTELLIGENT MODEL TRAINING SHALU, ZELALEM W 14d
17673377 TIERED INPUT STRUCTURES FOR MACHINE LEARNING MODELS SHALU, ZELALEM W 14d
18237570 SYSTEM, METHOD, AND MEDIUM FOR USER SPECIFIC DATA DISTRIBUTION OF CROWD-SOURCED DATA ZIMMERMAN, MATTHEW E 26d
18452404 PLATFORM-AGNOSTIC UNIVERSAL TRANSACTION PROFILES ABDULLAEV, AMANULLA 34d
19387436 TOKEN SERVICE PROVIDER FOR ELECTRONIC/MOBILE COMMERCE TRANSACTIONS FENSTERMACHER, JASON B —
19295951 MULTI-PARTY COMPUTATION IN A COMPUTER SHARDING ENVIRONMENT LOZA, JANICE JOMARIE —

Top Art Units

Art UnitApps
3688 7
3692 6
3698 5
3691 4
2145 4
3697 3
2453 3
3627 3
3693 3
3621 3

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19387436 TOKEN SERVICE PROVIDER FOR ELECTRONIC/MOBILE COMMERCE TRANSACTIONS FENSTERMACHER, JASON B 3698 §103DP Non-Final OA — Pending Nov 12, 2025
19295951 MULTI-PARTY COMPUTATION IN A COMPUTER SHARDING ENVIRONMENT LOZA, JANICE JOMARIE 3698 §101§103§112 Final Rejection — Pending Aug 11, 2025
19260962 SELECTION OF ELECTRONIC TRANSACTION PROCESSING CHANNEL AND MULTI-FACTOR USER AUTHENTICATION REAGAN, JAMES A 3697 §101 Final Rejection — Pending Jul 07, 2025
19247600 EXTENSIVE-DIMENSIONAL SOLUTIONS FOR DATA LINEAGE PHAM, TUAN A 2163 §103Other Final Rejection — Pending Jun 24, 2025
19243990 CODELESS PAYMENT INTERFACE QAYYUM, ZESHAN 3697 §101§102§103 Non-Final OA — Pending Jun 20, 2025
19229597 USING AN INTERNAL LEDGER WITH BLOCKCHAIN TRANSACTIONS DANG, CHRISTINE 3698 §101§102§103Other Final Rejection — Pending Jun 05, 2025
19199860 CONFIGURATION-AWARE MICRO-DATABASE CACHES NGUYEN, THU N 2154 §101§103 Final Rejection — Pending May 06, 2025
19199707 SYSTEM AND METHOD FOR FACILITATING ELECTRONIC FINANCIAL TRANSACTIONS DURING A COMMUNICATION SESSION HAMILTON, SARA CHANDLER 3691 §101§103 Non-Final OA — Pending May 06, 2025
19186328 Mechanisms for Utilizing Tokens and Cryptograms in Operations CERVETTI, DAVID GARCIA 2409 §102§112 Non-Final OA — Pending Apr 22, 2025
19178560 SYSTEM AND METHOD FOR MAKING CONTENT-BASED RECOMMENDATIONS USING A USER PROFILE LIKELIHOOD MODEL GARG, YOGESH C 3688 §101Other Non-Final OA — Pending Apr 14, 2025
19175424 SOCIAL NETWORK PAYMENT SYSTEM GARCIA MIZE, KARLYANNIE MARIE 3698 §101§103§112 Final Rejection 36d Pending Apr 10, 2025
19172540 EDGE CLOUD CACHING USING REAL-TIME CUSTOMER JOURNEY INSIGHTS KHANAL, SANDARVA 2453 §101§112 Non-Final OA — Pending Apr 07, 2025
19171032 DYNAMIC GRAPH DATA QUERY ENGINE NGUYEN, THU N 2154 §103 Non-Final OA — Pending Apr 04, 2025
19083988 SYSTEMS AND METHODS FOR PREDICTING AND PROVIDING AUTOMATED ONLINE CHAT ASSISTANCE TANG, KAREN C 2447 §103Other Non-Final OA — Pending Mar 19, 2025
19056353 FREE-FORM, AUTOMATICALLY-GENERATED CONVERSATIONAL GRAPHICAL USER INTERFACES HUSSAIN, IMAD 2453 §103Other Non-Final OA — Pending Feb 18, 2025
19046114 Execution of Machine Learning Models at Client Devices HICKS, AUSTIN JAMES 2142 §101§112 Final Rejection — Pending Feb 05, 2025
19035319 NAMED ENTITY RECOGNITION IN CHAT DIALOGUES FOR CUSTOMER RELATIONSHIP MANAGEMENT SYSTEMS DUGDA, MULUGETA TUJI 2653 §102§103Other Non-Final OA — Pending Jan 23, 2025
19019879 SYSTEM AND METHOD FOR GROUP PAYMENTS LUDWIG, PETER L 3627 §101§103 Non-Final OA — Pending Jan 14, 2025
19011238 SYSTEMS AND METHODS EMPLOYING A ROUTER FOR ELECTRONIC TRANSACTIONS KWONG, CHO YIU 3693 §101 Final Rejection 1d overdue Pending Jan 06, 2025
18990282 ADAPTIVE SECURITY AUTHENTICATION KHATRI, NILESH B 3699 §101§103§112 Final Rejection — Pending Dec 20, 2024
18976736 ADVERSARIALLY ROBUST VOICE BIOMETRICS, SECURE RECOGNITION, AND IDENTIFICATION LELAND III, EDWIN S 2654 §102§103Other Non-Final OA — Pending Dec 11, 2024
18977635 DETECTION OF DUPLICATED DATA FOR DIGITAL CONTENT AZIMA, SHAGHAYEGH 2671 §102§103 Non-Final OA — Pending Dec 11, 2024
18960554 SYSTEM AND METHOD FOR MAKING UNIQUE RECOMMENDATIONS BASED ON LOGS WILCOX, JAMES J 2439 §103 Non-Final OA — Pending Nov 26, 2024
18948942 LOCATIONS PLATFORM FOR MANAGING AND PROVIDING OF USER EXPERIENCES PEREZ, JULIO R 2644 §103Other Non-Final OA — Pending Nov 15, 2024
18948368 SYSTEM AND METHOD FOR CONTENT INTEGRATED PRODUCT PURCHASING LEVINE, ADAM L 3689 §101§103 Final Rejection 16d Pending Nov 14, 2024
18948239 IMAGE FORGERY DETECTION VIA PIXEL-METADATA CONSISTENCY ANALYSIS SUMMERS, GEOFFREY E 2669 §101§103Other Non-Final OA — Pending Nov 14, 2024
18941096 AUTHENTICATION AND SESSION MANAGEMENT USING DEVICE FINGERPRINT NGUYEN, CAROLINE HOANG-ANH 2495 §103 Non-Final OA — Pending Nov 08, 2024
18939023 DYNAMICALLY CUSTOMIZING A USER INTERFACE OF AN ELECTRONIC PLATFORM VIA MACHINE LEARNING JACKSON, JAKIEDA R 2657 §102§103 Non-Final OA — Pending Nov 06, 2024
18937268 ONE LINE IN-CONTEXT USER INTERFACE HYDER, MD SAKIB 3698 §103 Non-Final OA 15d Pending Nov 05, 2024
18931243 REAL TIME UPSTREAM PAYMENT INTERFACE CIVAN, ETHAN D 3688 §103 Non-Final OA — Pending Oct 30, 2024
18927626 TRANSACTION TYPE CATEGORIZATION FOR ENHANCED SERVICING OF PEER-TO-PEER TRANSACTIONS ROSEN, ELIZABETH H 3693 §101§103 Final Rejection — Pending Oct 25, 2024
18927676 AUTOMATIC INVOICE CREATION FOR CHAT AND SOCIAL PLATFORMS TUTOR, AARON N 3627 §101§102§103Other Non-Final OA — Pending Oct 25, 2024
18902063 METHODS, MANUFACTURES, AND SYSTEMS FOR PRODUCT DETECTION ON MERCHANT WEBSITES SMITH, LINDSEY B 3688 §103Other Final Rejection — Pending Sep 30, 2024
18896700 DATA PRIVACY PROTECTION AND REMOVAL FOR ARTIFICIAL INTELLIGENCE MODEL TRAINING AND DEPLOYMENT ABDULLAH, SAAD AHMAD 2431 §103 Final Rejection — Pending Sep 25, 2024
18823487 UNIFIED ARTIFICIAL INTELLIGENCE MODEL FOR MULTIPLE CUSTOMER VALUE VARIABLE PREDICTION BYRD, UCHE SOWANDE 3624 §101§103 Non-Final OA — Pending Sep 03, 2024
18822724 WATERMARK AS HONEYPOT FOR ADVERSARIAL DEFENSE GORADIA, SHEFALI DINESH 2676 §103 Non-Final OA — Pending Sep 03, 2024
18808845 GLOBAL CONTENT MANAGEMENT COLUCCI, MICHAEL C 2655 §101§103 Final Rejection 5d overdue Pending Aug 19, 2024
18794296 MACHINE LEARNING TECHNIQUES FOR SEQUENCE ANALYSIS AND CART ABANDONMENT DETECTION BEKERMAN, MICHAEL 3621 §101 Final Rejection — Pending Aug 05, 2024
18790848 METHOD, NON-TRANSITORY MACHINE-READABLE MEDIUM, AND SYSTEM FOR MERCHANT-SIDE INTEGRATED SHOPPING CART RECOVERY GIBSON-WYNN, KENNEDY ANNA 3688 §101Other Non-Final OA — Pending Jul 31, 2024
18783096 ADAPTIVE ARTIFICIAL INTELLIGENCE MODEL FRAMEWORK PHAM, TUAN A 2122 §103 Non-Final OA — Pending Jul 24, 2024
18781771 SELECTING DOWNLOADABLE PRODUCT DESCRIPTIONS TO DISPLAY AIRAPETIAN, MILA 3688 §101 Non-Final OA 76d Pending Jul 23, 2024
18776140 MACHINE LEARNING USING PRIVATE AND PUBLIC BLOCKCHAIN DATA SHAHABI, ARI ARASTOO 3697 §101§102 Non-Final OA — Pending Jul 17, 2024
18750839 IMPLEMENTING A CRYPTOGRAPHY AGENT AND A SECURE HARDWARE-BASED ENCLAVE TO PREVENT COMPUTER HACKING OF CLIENT APPLICATIONS CHANG, TOM Y 2455 §103Other Non-Final OA — Pending Jun 21, 2024
18748594 Live Testing of Event Processing Filters LYONS, ANDREW M 2191 §102§103 Non-Final OA — Pending Jun 20, 2024
18733305 ANONYMITY-ENABLED TRANSMISSION OF NOTIFICATIONS WITHOUT EXCHANGING CONTACT IDENTIFIERS JAMES, GREGORY MARK 3692 §101 Final Rejection 18d overdue Pending Jun 04, 2024
18732458 RAPID ONLINE PAYMENT SYSTEM CHANG, EDWARD 3696 §101§103 Final Rejection 15d overdue Pending Jun 03, 2024
18677682 MULTIDIMENSIONAL ERROR CAUSAL ANALYSIS FOR ERROR INTERCORRELATIONS THAT IMPACT APPLICATION AVAILABILITY GUSTAFSON, MATHEW DONALD 2113 §101§103 Final Rejection 22d Pending May 29, 2024
18675682 AUTOMATED GENERATION OF CONVERSATIONAL WORKFLOWS FOR AUTOMATION CHATBOTS DAO, TUAN C. 2198 §101§103 Non-Final OA — Pending May 28, 2024
18656945 QUANTITATIVE RESULT OF FAILURE AND MACHINE LEARNING MODELS FARAMARZI, GITA 2496 §103§112 Final Rejection — Pending May 07, 2024
18654830 CRYPTOCURRENCY TRANSACTION BACKUP SYSTEM WARDEN, MICHAEL J 3694 §101§103 Final Rejection 5d overdue Pending May 03, 2024

View all 106 →

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Frequently Asked Questions

How many pending USPTO office actions does PayPal Inc. have?

PayPal Inc. has 106 pending office actions as of October 2026, spread across 58 art units and 97 examiners.

Which USPTO examiner handles the most PayPal Inc. applications?

Zelalem W Shalu has the most, with 3 of PayPal Inc.'s pending office actions.

What technology area are PayPal Inc.'s patent applications in?

Mostly Transportation, E-Commerce & Mechanical Systems (USPTO Tech Center 3600), based on where its pending office actions are examined.

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