Prosecution Insights
Last updated: October 25, 2026

U.S. Bancorp

Technology area: Transportation, E-Commerce & Mechanical Systems

13 pending office actions • 11 art units • 13 examiners • 0 of 13 (0%) have an AI response strategy ready • 64 patents granted in the last 365 days

Analysis

U.S. Bancorp has 15 pending office actions in Transportation, E-Commerce & Mechanical Systems. The matters involve 15 distinct examiners across 13 distinct art units, indicating individual examiner assignments with some art-unit overlap.

ZHANG, DUAN is the busiest examiner, with 1 pending matter. No examiner carries more than that listed figure, so the practical focus is consistent matter-level review and coordination across the separate examination channels.

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

Portfolio Summary

13
Total Pending OAs
6
Non-Final OAs
7
Final Rejections
0
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 2 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

1
Overdue
0
Due this week
1
Due this month
0
Due in next 60 days
0
Due later

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.

10
Hard (77%)
3
Medium (23%)
0
Easy (0%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only2 (15%)
§101 + other8 (62%)
§103 only2 (15%)
§102 only1 (8%)

Industry Mix

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

0
Life Sciences
0% of docket
2
Information Tech
15% of docket
2
Communications
15% of docket
0
Semiconductors
0% of docket
9
Mechanical / Eng
69% 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.

130 h
Manual time on pending OAs
26 h
Time saved (low, 20%)
46 h
Time saved (mid, 35%)
1.1 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
ZHANG, DUAN 1 61.2% +18.9%
DURAN, ARTHUR D 1 16.2% +24.3%
EDMONDS, DONALD J 1 39.5% +35.3%
SPOONER, LAMONT M 1 73.7% +11.9%
SHAIKH, MOHAMMAD Z 1 52.4% +31.4%
NGUYEN, TIEN C 1 68.1% +19.0%
SCHMIEDER, NICOLE A K 1 68.5% +33.1%
HAMILTON, SARA CHANDLER 1 64.0% +52.8%
BROPHY, MATTHEW J 1 68.5% +34.3%
MACKES, KRIS E 1 76.2% +10.8%

Hard Cases (10)

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
18799689 PROFILE BASED ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS HAMILTON, SARA CHANDLER 4d overdue
18428783 AMBIENT TRANSACTION SYSTEM VIG, NARESH 16d
19635665 SYSTEMS AND METHODS FOR IMPLEMENTING A NODAL DATA STRUCTURE FOR FRAUD DETECTION RING ZHANG, DUAN —
19556040 CIRCUIT-BASED TRANSACTION WITH SECURE-ACCESS PROCESSING DURAN, ARTHUR D —
19361282 IMPROVING CONTENT EDITING SOFTWARE VIA AUTOMATIC AND AUDITABLE AUTHORSHIP ATTRIBUTION EDMONDS, DONALD J —
19281126 AUTONOMOUS TRACKING OF DISPARATE ASSETS SHAIKH, MOHAMMAD Z —
19267178 MOBILE CHECK DEPOSIT NGUYEN, TIEN C —
18909206 AUTOMATED PIPELINE FOR TRAINING LANGUAGE MODELS SCHMIEDER, NICOLE A K —

Interview Candidates (10)

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
18799689 PROFILE BASED ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS HAMILTON, SARA CHANDLER 4d overdue
19635665 SYSTEMS AND METHODS FOR IMPLEMENTING A NODAL DATA STRUCTURE FOR FRAUD DETECTION RING ZHANG, DUAN —
19556040 CIRCUIT-BASED TRANSACTION WITH SECURE-ACCESS PROCESSING DURAN, ARTHUR D —
19361282 IMPROVING CONTENT EDITING SOFTWARE VIA AUTOMATIC AND AUDITABLE AUTHORSHIP ATTRIBUTION EDMONDS, DONALD J —
19349868 REMEDIATING HALLUCINATIONS IN LANGUAGE MODELS SPOONER, LAMONT M —
19281126 AUTONOMOUS TRACKING OF DISPARATE ASSETS SHAIKH, MOHAMMAD Z —
19267178 MOBILE CHECK DEPOSIT NGUYEN, TIEN C —
18909206 AUTOMATED PIPELINE FOR TRAINING LANGUAGE MODELS SCHMIEDER, NICOLE A K —

Top Art Units

Art UnitApps
3622 2
3694 2
3699 1
3629 1
2657 1
2659 1
3695 1
2191 1
2153 1
3625 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19635665 SYSTEMS AND METHODS FOR IMPLEMENTING A NODAL DATA STRUCTURE FOR FRAUD DETECTION RING ZHANG, DUAN 3699 §101§103 Final Rejection — Pending Mar 31, 2026
19556040 CIRCUIT-BASED TRANSACTION WITH SECURE-ACCESS PROCESSING DURAN, ARTHUR D 3622 §101§103 Final Rejection — Pending Mar 04, 2026
19361282 IMPROVING CONTENT EDITING SOFTWARE VIA AUTOMATIC AND AUDITABLE AUTHORSHIP ATTRIBUTION EDMONDS, DONALD J 3629 §101 Final Rejection — Pending Oct 17, 2025
19349868 REMEDIATING HALLUCINATIONS IN LANGUAGE MODELS SPOONER, LAMONT M 2657 §103 Non-Final OA — Pending Oct 03, 2025
19281126 AUTONOMOUS TRACKING OF DISPARATE ASSETS SHAIKH, MOHAMMAD Z 3694 §101§112Other Non-Final OA — Pending Jul 25, 2025
19267178 MOBILE CHECK DEPOSIT NGUYEN, TIEN C 3694 §101§112 Non-Final OA — Pending Jul 11, 2025
18909206 AUTOMATED PIPELINE FOR TRAINING LANGUAGE MODELS SCHMIEDER, NICOLE A K 2659 §101§103§112 Non-Final OA — Pending Oct 08, 2024
18799689 PROFILE BASED ARRANGEMENTS AND METHODS FOR DISPARATE NETWORK SYSTEMS HAMILTON, SARA CHANDLER 3695 §101§112Other Final Rejection 4d overdue Pending Aug 09, 2024
18793460 SMART CONTRACT CREATION AND MANAGEMENT USING GENERATIVE ARTIFICIAL INTELLIGENCE WITH MODEL MERGING BROPHY, MATTHEW J 2191 §103Other Non-Final OA — Pending Aug 02, 2024
18733264 CONTEXTUALLY AUGMENTED TRANSFORMER NEURAL NETWORK MACKES, KRIS E 2153 §102 Non-Final OA — Pending Jun 04, 2024
18632950 GENERATING INTERACTION SEQUENCE DISRUPTION PREDICTIONS HENRY, MATTHEW D 3625 §101 Final Rejection — Pending Apr 11, 2024
18428783 AMBIENT TRANSACTION SYSTEM VIG, NARESH 3622 §101§103Other Final Rejection 16d Pending Jan 31, 2024
18298037 SYSTEMS AND METHODS FOR DETECTING POINTS OF COMPROMISE TURK, BROCK E 3692 §101§112 Final Rejection — Pending Apr 10, 2023

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Frequently Asked Questions

How many pending USPTO office actions does U.S. Bancorp have?

U.S. Bancorp has 13 pending office actions as of October 2026, spread across 11 art units and 13 examiners.

Which USPTO examiner handles the most U.S. Bancorp applications?

Duan Zhang has the most, with 1 of U.S. Bancorp's pending office actions.

What technology area are U.S. Bancorp'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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