Prosecution Insights
Prosecution Insights
Technology area: Transportation, E-Commerce & Mechanical Systems
44 pending office actions • 18 art units • 33 examiners • 10 of 44 (23%) have an AI response strategy ready • 55 patents granted in the last 365 days
The Pnc Financial Services Group Inc. has 44 pending office actions in the Transportation, E-Commerce & Mechanical Systems technology area. These actions are handled by 33 distinct examiners, with OJIAKU, CHIKAODINAKA serving as the busiest examiner with 4 pending office actions. The 44 pending office actions are distributed across 18 distinct art units.
The 18 distinct art units show a broad technical scope for the company's pending matters. OJIAKU, CHIKAODINAKA is the most active examiner, managing 4 of the total pending actions. Despite this, the involvement of 33 distinct examiners indicates a decentralized prosecution environment. The company must manage 33 different examiner relationships across 18 different art units. The ratio of 44 actions to the examiners suggests that while some examiners handle multiple cases, the majority of the portfolio is spread among many individuals.
Based on the USPTO statutory response window for each pending office action. 10 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. 10 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 | 8 (18%) |
| §101 + other | 24 (55%) |
| §103 only | 9 (20%) |
| Double-patenting only | 1 (2%) |
| Double-patenting + other | 1 (2%) |
| Multi-statute (no §101) | 1 (2%) |
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 |
|---|---|---|---|
| OJIAKU, CHIKAODINAKA | 4 | 45.9% | +8.5% |
| RANKINS, WILLIAM E | 3 | 57.6% | +8.1% |
| PINSKY, DOUGLAS W | 2 | 24.4% | +15.9% |
| HALM, KWEKU WILLIAM | 2 | 79.2% | +12.4% |
| PHAM, KHANH B | 2 | 72.6% | +15.2% |
| ROSEN, ELIZABETH H | 2 | 45.7% | +49.6% |
| BUNKER, WILLIAM B | 2 | 80.2% | +94.9% |
| JONES, COURTNEY PATRICE | 2 | 68.8% | +22.0% |
| CHAKRAVARTI, ARUNAVA | 1 | 9.8% | +13.8% |
| KYU, TAYAR M | 1 | 39.5% | +32.9% |
Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 1 ordered by deadline are shown.
| App # | Title | Examiner | Due in |
|---|---|---|---|
| 18609691 | SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS | BUNKER, WILLIAM B | 30d |
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 |
|---|---|---|---|
| 18939976 | Technologies for Prediction of Recurring Transactions | OJIAKU, CHIKAODINAKA | 71d 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 |
| 18949511 | SYSTEMS AND METHODS FOR MANAGING SECURE CARD ACCOUNT ACTIVITY | FELTEN, DANIEL S | 22d |
| 18544521 | TECHNOLOGIES FOR EFFICIENTLY DETERMINING CREDIT LOSS SENSITIVITY TO MACROECONOMIC IMPACTS | HUDSON, MARLA LAVETTE | 29d |
| 18527083 | SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA | RANKINS, WILLIAM E | 68d |
| 19234752 | SYSTEMS AND METHODS FOR AUTOMATIC PAYMENT POSTING | REICHERT, RACHELLE LEIGH | 75d |
| 18958146 | Systems and Methods for Preventing Unauthorized Access to Computing Systems | NGUYEN, CAROLINE HOANG-ANH | 76d |
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 |
|---|---|---|---|
| 18609691 | SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS | BUNKER, WILLIAM B | 30d |
| 19003763 | SYSTEM AND METHOD FOR PROVIDING A CONSOLIDATED DATA HUB | PHAM, KHANH B | 40d |
| 19377437 | SYSTEMS AND METHODS FOR CALCULATING NET FLOWS | CHAKRAVARTI, ARUNAVA | — |
| 19355101 | SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION | PINSKY, DOUGLAS W | — |
| 19342326 | SYSTEMS AND METHODS FOR COMPUTER MODELING AND VISUALIZING ENTITY ATTRIBUTES | HALM, KWEKU WILLIAM | — |
| 19311283 | Technologies for Resolving Disputed Transactions and Customer Service With Artificial Intelligence Agent-Based Systems | KYU, TAYAR M | — |
| 19003686 | SYSTEM AND METHOD FOR PROVIDING A CONSOLIDATED DATA HUB | PHAM, KHANH B | — |
| 18989873 | SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS | ROSEN, ELIZABETH H | — |
| Art Unit | Apps |
|---|---|
| 3692 | 6 |
| 3696 | 4 |
| 2166 | 4 |
| 3691 | 4 |
| 3694 | 4 |
| 3626 | 2 |
| 3695 | 2 |
| 3699 | 2 |
| 3628 | 1 |
| 3683 | 1 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 19384696 | SYSTEMS AND METHODS FOR CREDIT LINE MANAGEMENT | OJIAKU, CHIKAODINAKA | 3696 | §101§103 | Non-Final OA | — | Pending | Nov 10, 2025 |
| 19384276 | SYSTEMS AND METHODS FOR CREDIT LINE MANAGEMENT | OJIAKU, CHIKAODINAKA | 3696 | §101§103 | Non-Final OA | — | Pending | Nov 10, 2025 |
| 19377437 | SYSTEMS AND METHODS FOR CALCULATING NET FLOWS | CHAKRAVARTI, ARUNAVA | 3692 | §101§103 | Non-Final OA | — | Pending | Nov 03, 2025 |
| 19355101 | SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION | PINSKY, DOUGLAS W | 3626 | §101§103 | Non-Final OA | — | Pending | Oct 10, 2025 |
| 19342326 | SYSTEMS AND METHODS FOR COMPUTER MODELING AND VISUALIZING ENTITY ATTRIBUTES | HALM, KWEKU WILLIAM | 2166 | §103 | Non-Final OA | — | Pending | Sep 26, 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 |
| 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 |
| 19234752 | SYSTEMS AND METHODS FOR AUTOMATIC PAYMENT POSTING | REICHERT, RACHELLE LEIGH | 3683 | §101§102§103 | Final Rejection | 75d | AI Ready | Jun 11, 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 |
| 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 |
| 19178198 | SYSTEMS AND METHODS FOR FRAUDULENT OPERATION PREVENTION | HILMANTEL, ADAM J | 3691 | §101§112 | Final Rejection | — | Pending | Apr 14, 2025 |
| 19097097 | SYSTEMS AND METHODS FOR COLLECTING AND DISTRIBUTING DIGITAL EXPERIENCE INFORMATION | HTAY, LIN LIN M | — | §103 | Non-Final OA | — | Pending | Apr 01, 2025 |
| 19067696 | SYSTEMS AND METHODS FOR PERFORMING DIGITAL AUTHENTICATION | DADA, BEEMNET W | — | §103 | Non-Final OA | — | Pending | Feb 28, 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 |
| 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 |
| 19003763 | SYSTEM AND METHOD FOR PROVIDING A CONSOLIDATED DATA HUB | PHAM, KHANH B | 2166 | §103 | Non-Final OA | 40d | AI Ready | Dec 27, 2024 |
| 18989330 | SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS | KAZIMI, HANI M | 3691 | §101 | Final Rejection | — | Pending | Dec 20, 2024 |
| 18989873 | SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS | ROSEN, ELIZABETH H | — | §101§103 | Non-Final OA | — | Pending | Dec 20, 2024 |
| 18989507 | SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS | BUNKER, WILLIAM B | 3691 | §101§103 | Final Rejection | — | AI Ready | Dec 20, 2024 |
| 18985990 | SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA | RANKINS, WILLIAM E | 3694 | §101DP | Non-Final OA | 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 | Non-Final OA | 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 |
| 18976673 | 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 |
| 18958146 | Systems and Methods for Preventing Unauthorized Access to Computing Systems | NGUYEN, CAROLINE HOANG-ANH | 2495 | §101§103 | Final Rejection | 76d | Pending | Nov 25, 2024 |
| 18956103 | SYSTEMS AND METHODS FOR TRADING MEMBERSHIPS | JONES, COURTNEY PATRICE | 3699 | §103DP | Non-Final OA | — | Pending | Nov 22, 2024 |
| 18949511 | SYSTEMS AND METHODS FOR MANAGING SECURE CARD ACCOUNT ACTIVITY | FELTEN, DANIEL S | 3692 | §101§112 | Final Rejection | 22d | AI Ready | Nov 15, 2024 |
| 18939976 | Technologies for Prediction of Recurring Transactions | OJIAKU, CHIKAODINAKA | 3696 | §101§102§103 | Final Rejection | 71d overdue | Pending | Nov 07, 2024 |
| 18921885 | SYSTEMS AND METHODS FOR COMPUTER MODELING AND VISUALIZING ENTITY ATTRIBUTES | HALM, KWEKU WILLIAM | 2166 | §103 | Non-Final OA | — | Pending | Oct 21, 2024 |
| 18680745 | SYSTEMS AND METHODS FOR RESOLVING COMPLIANCE CHECKS AND UPDATES | DARWISH, AMIR ELSAYED | 2199 | §103 | Non-Final OA | — | Pending | May 31, 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 |
| 18619609 | SYSTEMS AND METHODS FOR APPLYING RULES VIA ARTIFICIAL INTELLIGENCE FOR DOCUMENT PROCESSING | EDMONDS, DONALD J | — | §101 | Non-Final OA | — | Pending | Mar 28, 2024 |
| 18609691 | SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS | BUNKER, WILLIAM B | 3691 | §103 | Final Rejection | 30d | AI Ready | Mar 19, 2024 |
| 18544521 | TECHNOLOGIES FOR EFFICIENTLY DETERMINING CREDIT LOSS SENSITIVITY TO MACROECONOMIC IMPACTS | HUDSON, MARLA LAVETTE | 3694 | §101§103§112 | Non-Final OA | 29d | Pending | Dec 19, 2023 |
| 18527083 | SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA | RANKINS, WILLIAM E | 3694 | §101 | Non-Final OA | 68d | AI Ready | Dec 01, 2023 |
| 18502237 | SYSTEMS AND METHODS FOR ISSUING AN ARRANGEMENT FOR USE WITH AN ENTITY AT A UNIQUE GEOGRAPHIC LOCATION | CHISM, STEVEN R | 3692 | §101§103§112 | Non-Final OA | — | AI Ready | Nov 06, 2023 |
| 18207928 | COMPUTER SYSTEMS AND METHODS FOR VERIFYING AND AUTHENTICATING CROSS BORDER PAYMENTS | TURK, BROCK E | 3692 | §101 | Final Rejection | — | Pending | Jun 09, 2023 |
| 18146220 | SYSTEMS, METHODS, AND DEVICES FOR A VENDOR-AGNOSTIC FRAMEWORK FOR AUTOMATED VALIDATION OF APPLICATIONS | AGUILERA, TODD | 2192 | §103 | Non-Final OA | — | 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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