Prosecution Insights
Last updated: August 17, 2026

The Pnc Financial Services Group Inc.

57 pending office actions • 24 art units • 37 examiners • 9 of 57 (16%) have an AI response strategy ready • 44 patents granted in the last 365 days

Portfolio Summary

57
Total Pending OAs
36
Non-Final OAs
18
Final Rejections
3
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 13 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

6
Overdue
0
Due this week
0
Due this month
1
Due in next 60 days
6
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. 13 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (6)Due ≤ 60 days (1)Due later (6)

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.

44
Hard (77%)
12
Medium (21%)
1
Easy (2%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only11 (19%)
§101 + other28 (49%)
§103 only11 (19%)
Double-patenting only1 (2%)
Double-patenting + other1 (2%)
Multi-statute (no §101)5 (9%)

Industry Mix

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

0
Life Sciences
0% of docket
17
Information Tech
30% of docket
1
Communications
2% of docket
0
Semiconductors
0% of docket
33
Mechanical / Eng
58% of docket
6
Business / Other
11% 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.

570 h
Manual time on pending OAs
114 h
Time saved (low, 20%)
200 h
Time saved (mid, 35%)
5.0 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
RANKINS, WILLIAM E 6 57.7% +8.2%
OJIAKU, CHIKAODINAKA 4 45.6% +8.7%
BULLOCK, JOSHUA 4 82.6% +16.1%
PINSKY, DOUGLAS W 3 25.2% +16.8%
YESILDAG, LAURA G 3 35.1% +41.9%
HALM, KWEKU WILLIAM 3 79.5% +11.0%
MADAMBA, CLIFFORD B 2 44.2% +14.9%
ROSEN, ELIZABETH H 2 45.9% +51.3%
JONES, COURTNEY PATRICE 2 68.7% +21.9%
LOZA, JANICE JOMARIE 1 7.7% +25.0%

Hard Cases (44)

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
18658592 COMPUTER SYSTEMS AND METHODS FOR MONITORING CUSTOMER FINANCIAL TRANSACTIONS FOR POTENTIAL FINANCIAL CRIMES BAIRD, EDWARD J 42d overdue
18968495 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 31d overdue
18985990 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 2d overdue
18982273 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 2d overdue
18677204 DEVICES, SYSTEMS, AND METHODS FOR ENHANCING TRANSACTION SECURITY AND REDUCING FRAUD ALLADIN, AMBREEN A 34d
19234752 SYSTEMS AND METHODS FOR AUTOMATIC PAYMENT POSTING REICHERT, RACHELLE LEIGH 75d
19034725 Technologies for Real-Time Payments Monitoring POE, KEVIN T 75d
18958146 Systems and Methods for Preventing Unauthorized Access to Computing Systems NGUYEN, CAROLINE HOANG-ANH 76d

Interview Candidates (20)

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
18365430 SYSTEMS AND METHODS FOR INTEGRATING AND OPTIMIZING SECURITY SYSTEMS HALM, KWEKU WILLIAM 68d
19376159 Methods and Systems for Shareholder Election LOZA, JANICE JOMARIE
19311028 Technologies for Resolving Disputed Transactions and Customer Service With Artificial Intelligence Agent-Based Systems MADAMBA, CLIFFORD B
19196366 Technologies for Providing Self-Updating Alert Volume Prediction MADAMBA, CLIFFORD B
18989873 SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS ROSEN, ELIZABETH H
18984771 SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS ROSEN, ELIZABETH H
18977355 SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION PINSKY, DOUGLAS W
18973395 DATA MIGRATION FACTORY BULLOCK, JOSHUA

Top Art Units

Art UnitApps
3692 6
3694 6
3696 4
2166 4
2153 4
3626 3
3629 3
2161 2
3695 2
3699 2

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19376159 Methods and Systems for Shareholder Election LOZA, JANICE JOMARIE 3698 §101§102§103 Non-Final OA Pending Oct 31, 2025
19311028 Technologies for Resolving Disputed Transactions and Customer Service With Artificial Intelligence Agent-Based Systems MADAMBA, CLIFFORD B 3692 §101§103 Non-Final OA Pending Aug 27, 2025
19311283 Technologies for Resolving Disputed Transactions and Customer Service With Artificial Intelligence Agent-Based Systems KYU, TAYAR M 3628 §101§103 Non-Final OA Pending Aug 27, 2025
19259455 SYSTEMS AND METHODS FOR ENHANCED DATA PREPARATION FLEXIBILITY WILLOUGHBY, ALICIA M 2161 §103§112Other Non-Final OA Pending Jul 03, 2025
19234752 SYSTEMS AND METHODS FOR AUTOMATIC PAYMENT POSTING REICHERT, RACHELLE LEIGH 3683 §101§102§103 Non-Final OA 75d AI Ready Jun 11, 2025
19226523 Technologies for Writing Change Data in Real Time as a Transaction Occurs Using Multithreading BIBBEE, JARED M 2161 §103 Non-Final OA Pending Jun 03, 2025
19225833 SYSTEMS AND METHODS FOR SECURE ONLINE ACTIVITIES TO ENHANCE DATA SECURITY AND EFFICIENCY TIV, BACKHEAN 2459 §101§103 Non-Final OA Pending Jun 02, 2025
19219398 SYSTEMS AND METHODS FOR A GRAPH DATABASE CHANNAVAJJALA, SRIRAMA T §101§103 Non-Final OA Pending May 27, 2025
19211983 SYSTEMS AND METHODS FOR END-TO-END CONSUMER LENDING AND FINANCING SOLUTIONS FOR CHOOSING A CREDIT CARD SCHWARZENBERG, PAUL 3695 §101§102DP Non-Final OA Pending May 19, 2025
19212323 SYSTEMS AND METHODS FOR PROCESSING DIGITAL EXPERIENCE INFORMATION YU, XIANG DP Non-Final OA Pending May 19, 2025
19203394 Systems and Methods for Tracking and Assessing Collateral Utilization PRESTON, JOHN O 3693 §101§103 Non-Final OA Pending May 09, 2025
19196366 Technologies for Providing Self-Updating Alert Volume Prediction MADAMBA, CLIFFORD B §101§103 Non-Final OA Pending May 01, 2025
19097097 SYSTEMS AND METHODS FOR COLLECTING AND DISTRIBUTING DIGITAL EXPERIENCE INFORMATION HTAY, LIN LIN M §103 Non-Final OA Pending Apr 01, 2025
19039130 COMPUTER SYSTEMS AND METHODS FOR COMPLIANT COLLECTION OF PREMIUMS OWED TO A HEALTHCARE SERVICES PAYER VIA AUTOMATED CLEARING HOUSE (ACH) TRANSFERS OJIAKU, CHIKAODINAKA 3696 §101 Final Rejection Pending Jan 28, 2025
19034725 Technologies for Real-Time Payments Monitoring POE, KEVIN T 3692 §101§102§112 Non-Final OA 75d Pending Jan 23, 2025
19008918 MACHINE LEARNING MODEL FOR IDENTIFYING EMERGING TOPICS REN, ZHUBING 2658 §101§103§112 Non-Final OA Pending Jan 03, 2025
19003686 SYSTEM AND METHOD FOR PROVIDING A CONSOLIDATED DATA HUB PHAM, KHANH B 2166 §103 Non-Final OA Pending Dec 27, 2024
19004182 SYSTEMS AND METHODS FOR DATA PROCESSING AND FEATURE RECOGNITION JEANTY, ROMAIN 3624 §101 Non-Final OA Pending Dec 27, 2024
18989873 SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS ROSEN, ELIZABETH H §101§103 Non-Final OA Pending Dec 20, 2024
18986181 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 3694 §101§103 Final Rejection Pending Dec 18, 2024
18985990 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 3694 §101DP Final Rejection 2d overdue AI Ready Dec 18, 2024
18984771 SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS ROSEN, ELIZABETH H §101§102 Non-Final OA Pending Dec 17, 2024
18982273 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 3694 §101 Final Rejection 2d overdue AI Ready Dec 16, 2024
18983156 DEVICES, SYSTEMS, AND METHODS FOR AUTHENTICATING SERVICE PROVIDER COMMUNICATIONS KENNEDY, LESA M 2458 §103§112 Non-Final OA Pending Dec 16, 2024
18977023 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 3694 §101§112 Non-Final OA 84d AI Ready Dec 11, 2024
18977355 SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION PINSKY, DOUGLAS W 3626 §101§103 Final Rejection Pending Dec 11, 2024
18973395 DATA MIGRATION FACTORY BULLOCK, JOSHUA 2153 §102§103 Non-Final OA Pending Dec 09, 2024
18973351 DATA MIGRATION FACTORY BULLOCK, JOSHUA 2153 §102§103 Non-Final OA Pending Dec 09, 2024
18973466 DATA MIGRATION FACTORY BULLOCK, JOSHUA 2153 §101§102 Non-Final OA Pending Dec 09, 2024
18974380 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 3694 §101§103§112 Non-Final OA 85d AI Ready Dec 09, 2024
18973535 DATA MIGRATION FACTORY BULLOCK, JOSHUA 2153 §102§103 Non-Final OA Pending Dec 09, 2024
18972362 SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION PINSKY, DOUGLAS W 3626 §101§103 Final Rejection Pending Dec 06, 2024
18971771 SYSTEMS AND METHODS FOR INTEGRATING DATABASES WITH PERMISSION-BASED ACCESS ON A USER INTERFACE VO, ETHAN VIET 2431 §103 Final Rejection Pending Dec 06, 2024
18968495 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA RANKINS, WILLIAM E 3694 §101§103 Non-Final OA 31d overdue AI Ready Dec 04, 2024
18958146 Systems and Methods for Preventing Unauthorized Access to Computing Systems NGUYEN, CAROLINE HOANG-ANH 2495 §101§103 Non-Final OA 76d Pending Nov 25, 2024
18956103 SYSTEMS AND METHODS FOR TRADING MEMBERSHIPS JONES, COURTNEY PATRICE 3699 §103DP Non-Final OA Pending Nov 22, 2024
18939870 Technologies for Efficient Detection of Money Laundering OJIAKU, CHIKAODINAKA 3696 §101 Final Rejection Pending Nov 07, 2024
18939780 SYSTEMS AND METHODS FOR ANALYZING CUSTOMER COMPLAINTS YESILDAG, LAURA G 3629 §101 Non-Final OA AI Ready Nov 07, 2024
18939976 Technologies for Prediction of Recurring Transactions OJIAKU, CHIKAODINAKA 3696 §103 Final Rejection 71d overdue Pending Nov 07, 2024
18939204 SYSTEMS AND METHODS FOR ANALYZING CUSTOMER COMPLAINTS YESILDAG, LAURA G 3629 §101 Non-Final OA Pending Nov 06, 2024
18925239 SYSTEMS AND METHODS FOR INTEGRATING AND OPTIMIZING SECURITY SYSTEMS HALM, KWEKU WILLIAM 2166 §103 Non-Final OA Pending Oct 24, 2024
18921885 SYSTEMS AND METHODS FOR COMPUTER MODELING AND VISUALIZING ENTITY ATTRIBUTES HALM, KWEKU WILLIAM 2166 §103 Final Rejection Pending Oct 21, 2024
18799257 SYSTEMS AND METHODS FOR CREDIT LINE MANAGEMENT OJIAKU, CHIKAODINAKA 3696 §101 Non-Final OA Pending Aug 09, 2024
18787176 SYSTEMS AND METHODS FOR CALCULATING NET FLOWS CHAKRAVARTI, ARUNAVA 3692 §101§103 Final Rejection Pending Jul 29, 2024
18768655 WORKFLOW GENERATOR TOOL FOR DATA EXTRACTION GARCIA-GUERRA, DARLENE 3625 §101§103§112 Non-Final OA Pending Jul 10, 2024
18680745 SYSTEMS AND METHODS FOR RESOLVING COMPLIANCE CHECKS AND UPDATES DARWISH, AMIR ELSAYED 2199 §103 Non-Final OA Pending May 31, 2024
18677204 DEVICES, SYSTEMS, AND METHODS FOR ENHANCING TRANSACTION SECURITY AND REDUCING FRAUD ALLADIN, AMBREEN A 3691 §101 Final Rejection 34d Pending May 29, 2024
18658592 COMPUTER SYSTEMS AND METHODS FOR MONITORING CUSTOMER FINANCIAL TRANSACTIONS FOR POTENTIAL FINANCIAL CRIMES BAIRD, EDWARD J 3692 §101§103§112 Final Rejection 42d overdue Pending May 08, 2024
18626841 SYSTEMS AND METHODS FOR TRADING MEMBERSHIPS JONES, COURTNEY PATRICE 3699 §101§103 Non-Final OA AI Ready Apr 04, 2024
18622302 SYSTEMS AND METHODS FOR ANALYZING CUSTOMER COMPLAINTS YESILDAG, LAURA G 3629 §101 Non-Final OA Pending Mar 29, 2024
18442780 DEPLOYING MULTIPLE VERSIONS OF SOFTWARE SIMULTANEOUSLY, WITH SCALING OF TRAFFIC BETWEEN VERSIONS NGUYEN, DUY KHUONG THANH 2199 §103 Final Rejection 85d overdue Pending Feb 15, 2024
18365430 SYSTEMS AND METHODS FOR INTEGRATING AND OPTIMIZING SECURITY SYSTEMS HALM, KWEKU WILLIAM 2166 §103 Non-Final OA 68d AI Ready Aug 04, 2023
18207928 COMPUTER SYSTEMS AND METHODS FOR VERIFYING AND AUTHENTICATING CROSS BORDER PAYMENTS TURK, BROCK E 3692 §101 Final Rejection Pending Jun 09, 2023
18189952 SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION PINSKY, DOUGLAS W 3626 §101§103§112 Final Rejection Pending Mar 24, 2023
18146220 SYSTEMS, METHODS, AND DEVICES FOR A VENDOR-AGNOSTIC FRAMEWORK FOR AUTOMATED VALIDATION OF APPLICATIONS AGUILERA, TODD 2192 §103 Final Rejection Pending Dec 23, 2022
18045982 INVESTOR RETIREMENT LIFESTYLE PLANNING TOOL BORLINGHAUS, JASON M 3692 §101§103§112 Final Rejection Pending Oct 12, 2022
14526910 PREDICTING EXTERNAL BALANCE TRANSFER SYSTEM AND METHOD OYEBISI, OJO O 3695 §101 Non-Final OA Pending Oct 29, 2014

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