Prosecution Insights
Last updated: August 17, 2026

Visa International Service Association

88 pending office actions • 34 art units • 76 examiners • 0 of 88 (0%) have an AI response strategy ready • 194 patents granted in the last 365 days

Portfolio Summary

88
Total Pending OAs
56
Non-Final OAs
27
Final Rejections
5
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 27 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

14
Overdue
1
Due this week
7
Due this month
3
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. 27 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (14)Due ≤ 7 days (1)Due ≤ 30 days (7)Due ≤ 60 days (3)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.

56
Hard (64%)
28
Medium (32%)
4
Easy (5%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only18 (20%)
§101 + other29 (33%)
§103 only24 (27%)
§102 only3 (3%)
§112 only2 (2%)
Double-patenting only2 (2%)
Double-patenting + other1 (1%)
Multi-statute (no §101)9 (10%)

Industry Mix

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

0
Life Sciences
0% of docket
18
Information Tech
20% of docket
0
Communications
0% of docket
1
Semiconductors
1% of docket
51
Mechanical / Eng
58% of docket
18
Business / Other
20% 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.

880 h
Manual time on pending OAs
176 h
Time saved (low, 20%)
308 h
Time saved (mid, 35%)
7.7 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
GAW, MARK H 3 49.8% +59.7%
SHARVIN, DAVID P 3 37.6% +23.3%
YONO, RAVEN E 3 39.6% +32.8%
STEVENSON, CHRISTINA C 2 3.2% -3.9%
DAGNEW, SABA 2 37.7% +17.6%
SIDDIQI, MOHAMMAD A 2 85.2% +15.6%
IMMANUEL, ILSE I 2 26.6% +26.6%
RANKINS, WILLIAM E 2 57.7% +8.2%
IDIAKE, VINCENT I 2 71.6% +19.9%
BRIDGES, CHRISTOPHER 1 45.3% +10.5%

Quick Wins (1)

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 #TitleExaminerDue in
19083667 Computer-Implemented Method and a Virtual Reality Device for Providing Behavior-Based Authentication in Virtual Environment SIDDIQI, MOHAMMAD A

Hard Cases (56)

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
18438505 TRANSACTION PROCESSOR TESTING METHOD AND SYSTEM YONO, RAVEN E 147d overdue
18701667 System, Method, and Computer Program Product for Real-Time Transactions SHARVIN, DAVID P 60d overdue
18414594 PAYMENT NETWORK INTENT MONEY MANAGER WORJLOH, JALATEE 30d overdue
18905709 Method, System, and Computer Program Product for Improving Matching Algorithms PATEL, DIPEN M 24d overdue
17957925 DIGITAL FIAT CURRENCY SMITH, SLADE E 18d overdue
18880629 TOKEN SERVICES FOR NON-FUNGIBLE TOKENS DING, CHUNLING 15d overdue
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION YONO, RAVEN E 11d overdue
19034888 REAL-TIME RISK BASED PAYMENT DECISION SERVICE FOR TRANSIT SYSTEM SHARON, AYAL I 4d overdue

Interview Candidates (18)

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
18438505 TRANSACTION PROCESSOR TESTING METHOD AND SYSTEM YONO, RAVEN E 147d overdue
18701667 System, Method, and Computer Program Product for Real-Time Transactions SHARVIN, DAVID P 60d overdue
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION YONO, RAVEN E 11d overdue
18319219 PRIVACY PROTECTED CONSUMERS IDENTITY FOR CENTRALIZED P2P NETWORK SERVICES IDIAKE, VINCENT I 5d overdue
18986426 ENHANCED AND EFFICIENT DATA FLOW YONO, RAVEN E 6d
18298945 METHODS AND SYSTEMS FOR SECURE TRANSFER OF PAYMENT PLANS SHARVIN, DAVID P 26d
17898347 AUTOMATED DATA CAPTURE PROCESSING GAW, MARK H 56d
19474151 SHIELD-UP SYSTEM AND METHOD FOR PAYMENT TRANSACTIONS BRIDGES, CHRISTOPHER

Top Art Units

Art UnitApps
3694 10
3698 9
3699 7
3692 5
3693 4
3696 3
3697 2
3695 2
2438 2
3621 2

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19474151 SHIELD-UP SYSTEM AND METHOD FOR PAYMENT TRANSACTIONS BRIDGES, CHRISTOPHER 3693 §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
19161969 SECURE PERSONAL IDENTIFICATION NUMBER ENTRY FOR TRANSACTIONS USING A PORTABLE ELECTRONIC DEVICE KING, DAVIDA LEE 3699 §101§103 Non-Final OA Pending Sep 03, 2025
19161011 MULTIPLE NFC ANTENNA ARRAY AND USER DEVICE DETECTION MIKELS, MATTHEW 2876 §102 Non-Final OA Pending Aug 29, 2025
19282649 RAPID AUTO-RETRIEVAL OF ALIASES FOR INTERACTION GAW, MARK H §103 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 Non-Final OA Pending Jul 22, 2025
19274259 SYSTEM AND METHOD USING RESOURCE PROVIDER APPLICATION ON MOBILE DEVICE AS AN ACCESS DEVICE NIGH, JAMES D 3699 DP Non-Final OA Pending Jul 18, 2025
19241660 DIRECT EXTENDED REACH SYSTEM AND METHOD DAGNEW, SABA §101 Non-Final OA Pending Jun 18, 2025
19232269 TOKENIZED ACCOUNT ATTRIBUTES HILMANTEL, ADAM J 3691 §101§102 Non-Final OA Pending Jun 09, 2025
19226348 Method, System, and Computer Program Product for Real-Time Data Aggregation PARK, YONG S §101Other Non-Final OA Pending Jun 03, 2025
19134014 RAPID VALUE TRANSFER BETWEEN DIFFERENT VALUE SYSTEMS FELTEN, DANIEL S 3692 §103 Non-Final OA Pending May 29, 2025
19128535 SYSTEMS AND METHODS FOR PROCESSING CRYPTOCURRENCY TRANSACTIONS MILEF, ELDA G 3694 §101 Non-Final OA Pending May 08, 2025
19192147 PROCESSING METHOD USING VALIDATION KEY FARAMARZI, GITA §103 Non-Final OA Pending Apr 28, 2025
19191992 METHOD AND SYSTEM WITH AGGREGATE DATA PROCESSING MALKOWSKI, MARK A 3696 §101§103 Non-Final OA Pending Apr 28, 2025
19186189 TOKENIZED CONTACTLESS TRANSACTION ENABLED BY CLOUD BIOMETRIC IDENTIFICATION AND AUTHENTICATION OJIAKU, CHIKAODINAKA §101§103 Non-Final OA Pending Apr 22, 2025
19184623 GLOBAL REMITTANCE SYSTEM AND METHOD GAW, MARK H §101 Non-Final OA Pending Apr 21, 2025
19118103 USER VERIFICATION SYSTEM AND METHOD RAK, TAYLOR SIMON DUANE 3697 §101§103§112 Non-Final OA Pending Apr 03, 2025
19092249 EFFICIENT AND PRIVACY PRESERVING RESOURCE INTERACTION MILLER, JAMES H 3694 §101§103 Non-Final OA Pending Mar 27, 2025
19114953 SEMI-SUPERVISED SYSTEM FOR DOMAIN SPECIFIC SENTIMENT LEARNING KAPOOR, DEVAN 2126 §101§103 Non-Final OA Pending Mar 25, 2025
19085075 System, Method, and Computer Program Product for Authenticating a Device Based on an Application Profile RAHMAN, SM AZIZUR §102 Non-Final OA Pending Mar 20, 2025
19083667 Computer-Implemented Method and a Virtual Reality Device for Providing Behavior-Based Authentication in Virtual Environment SIDDIQI, MOHAMMAD A §103 Non-Final OA Pending Mar 19, 2025
19082671 COMPREHENSIVE STORAGE APPLICATION PROVISIONING USING A PROVISIONING SOFTWARE DEVELOPMENT KIT (SDK) SIDDIQI, MOHAMMAD A §101§103Other Non-Final OA Pending Mar 18, 2025
19070931 System, Method, and Computer Program Product for Validating Software Agents in Robotic Process Automation Systems KOBROSLI, SHADI HASSAN §103 Non-Final OA Pending Mar 05, 2025
19065787 GLOBAL RELYING PARTY SYSTEM FOR VALIDATING DIGITAL IDENTITY CREDENTIALS DUCK, BRANDON M 3693 §103 Non-Final OA 15d overdue Pending Feb 27, 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 Non-Final OA Pending Feb 13, 2025
19046150 EFFICIENT INTERACTION PROCESSING USING SECRET STRAUB, D'ARCY WINSTON §103Other Non-Final OA Pending Feb 05, 2025
18997891 Method, System, and Computer Program Product for Cryptogram-Based Transactions ALI, JAHED 3699 §101§112 Non-Final OA Pending Jan 23, 2025
19034888 REAL-TIME RISK BASED PAYMENT DECISION SERVICE FOR TRANSIT SYSTEM SHARON, AYAL I 3695 §101§103 Final Rejection 4d overdue Pending Jan 23, 2025
19033951 USER AUTHENTICATION AT ACCESS CONTROL SERVER USING MOBILE DEVICE ZHANG, SHIRLEY X 2447 §102§103Other Non-Final OA Pending Jan 22, 2025
18995699 AUTHENTICATION DATA VALIDATION VU, PHY ANH TRAN 2438 §102§103§112 Non-Final OA Pending Jan 16, 2025
18880629 TOKEN SERVICES FOR NON-FUNGIBLE TOKENS DING, CHUNLING 3699 §101§103 Final Rejection 15d overdue Pending Jan 02, 2025
19007144 CRYPTOCURRENCY INFRASTRUCTURE SYSTEM IMMANUEL, ILSE I 3699 §101§103§112Other Non-Final OA Pending Dec 31, 2024
18986426 ENHANCED AND EFFICIENT DATA FLOW YONO, RAVEN E 3694 §101§103§112 Final Rejection 6d Pending Dec 18, 2024
18975681 HANDS FREE INTERACTION SYSTEM AND METHOD NOEL, LYDIA LOUIS-FILS §112Other Non-Final OA Pending Dec 10, 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
18944078 Relying Party Risk-Adjusted Indicator System and Method LE, CHAU D 2408 §103 Non-Final OA Pending Nov 12, 2024
18935956 CROSS-BORDER QUICK RESPONSE (QR) PAYMENT FLOW FOR ENCRYPTED PRIMARY ACCOUNT NUMBER (PAN) PAYMENT FLOW CASTILHO, EDUARDO D 3698 §101§103§112 Non-Final OA 16d Pending Nov 04, 2024
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION YONO, RAVEN E 3694 §101 Final Rejection 11d overdue Pending Nov 01, 2024
18930825 TECHNIQUES FOR SECURELY PERFORMING OFFLINE AUTHENTICATION VAUGHAN, MICHAEL R 2431 §103 Final Rejection 5d overdue Pending Oct 29, 2024
18906586 OPTIMIZED PRIVATE BIOMETRIC MATCHING FARROW, FELICIA 2437 §112DP Final Rejection Pending Oct 04, 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
18888221 System, Method, and Computer Program Product for Real-Time Automated Teller Machine Fraud Detection and Prevention JACOB, WILLIAM J 3696 §101§103Other Final Rejection Pending Sep 18, 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
18884659 SECONDARY ACCOUNT MANAGEMENT PLATFORM KIM, STEVEN S 3698 DP Non-Final OA 41d Pending Sep 13, 2024
18845853 PRIVACY-PRESERVING DETECTION FOR DIRECTIONAL ELECTRONIC COMMUNICATIONS RANKINS, WILLIAM E 3694 §101 Final Rejection 26d Pending Sep 10, 2024
18845130 TOKEN ACTIVATION DURING AUTHORIZATION OUSSIR, EL MEHDI 3699 §101§103§112 Final Rejection Pending Sep 09, 2024
18844375 CRYPTOGRAPHIC KEY STORE ON CARD NARRAMORE, BLAKE I 2438 §103 Non-Final OA 23d overdue Pending Sep 05, 2024
18824177 METHOD AND SYSTEM FOR PROCESSING ACTION DATA TURCHEN, JAMES R 2439 §102 Final Rejection 5d overdue Pending Sep 04, 2024
18840527 Method, System, and Computer Program Product for Managing Configuration Lease KIM, HYUN SOO 2176 §102§103 Final Rejection 22d Pending Aug 22, 2024
18728063 MULTI-LEVEL FINGERPRINTS TO DERIVE MISSING DATA DURING RETRY DETECTION DINH, KHANH Q 2458 §102§103 Final Rejection Pending Jul 10, 2024
18736999 System, Method, and Computer Program Product for Generating a Customized User Interface Based on User Interactions ORR, HENRY W 2172 §103 Non-Final OA Pending Jun 07, 2024
18701667 System, Method, and Computer Program Product for Real-Time Transactions SHARVIN, DAVID P 3692 §101§103 Non-Final OA 60d overdue Pending Apr 16, 2024
18693651 System, Method, and Computer Program Product for Tuning Prediction Results of Machine Learning Models BRAHMACHARI, MANDRITA §103 Non-Final OA Pending Mar 20, 2024
18596607 SYSTEM AND METHOD FOR IMPLEMENTING ENHANCED PAYMENT ON DELIVERY RANKINS, WILLIAM E 3694 §112 Final Rejection Pending Mar 05, 2024
18689395 CARD WITH SURFACE FEATURES FOR ACCOUNT SELECTION WONG, ERIC TAK WAI 3693 §102§103 Non-Final OA 84d Pending Mar 05, 2024
18589366 FLEET-BASED MERCHANT DISCOUNT SYSTEM AND METHOD THEREFOR DURAN, ARTHUR D 3622 §101§103 Final Rejection Pending Feb 27, 2024
18438505 TRANSACTION PROCESSOR TESTING METHOD AND SYSTEM YONO, RAVEN E 3694 §101 Non-Final OA 147d overdue Pending Feb 11, 2024
18426717 Method, System, and Computer Program Product for Improving Training Loss of Graph Neural Networks Using Bi-Level Optimization TRAN, TAN H §103§112 Non-Final OA Pending Jan 30, 2024
18292244 Method and System for Adversarial Training and for Analyzing Impact of Fine-Tuning on Deep Learning Models JUNG, DONG YOON §101§103 Non-Final OA Pending Jan 25, 2024
18414594 PAYMENT NETWORK INTENT MONEY MANAGER WORJLOH, JALATEE 3697 §101§103 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 §103§112 Non-Final OA Pending Jan 11, 2024
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
18502361 Method, System, and Computer Program Product for Machine Learning Using Decoupled Knowledge Graphs HARMON, COURTNEY N §103 Non-Final OA Pending Nov 06, 2023
18386011 Method, System, and Computer Program Product for Removing Fake Features in Deep Learning Models LEE, TSU-CHANG §101 Non-Final OA Pending Nov 01, 2023
18488135 Apparatus, System, and Method for Enabling Secure Transactions with Audible Authorization XIAO, ZESHENG 3698 §103§112 Final Rejection Pending Oct 17, 2023
18482578 TRAVELER THEMATIC DESTINATION SEGMENTATION KOESTER, MICHAEL RICHARD 3624 §101§103 Non-Final OA Pending Oct 06, 2023
18376504 Method, System, and Computer Program Product for Encoding Offers DAGNEW, SABA 3621 §101 Non-Final OA Pending Oct 04, 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
18259063 TOKEN-BASED OFF-CHAIN INTERACTION AUTHORIZATION JONES, COURTNEY PATRICE 3600 §103 Final Rejection Pending Jun 22, 2023
18330122 SYNTHESIZING REALISTIC TIME SERIES WITH OUTLIERS STORK, KYLE R 2128 §101§103 Non-Final OA Pending Jun 06, 2023
18319219 PRIVACY PROTECTED CONSUMERS IDENTITY FOR CENTRALIZED P2P NETWORK SERVICES IDIAKE, VINCENT I 3698 §103 Final Rejection 5d overdue Pending May 17, 2023
18314625 BROWSER EXTENSION FOR CLIENT-SIDE TOKENIZED AUTHENTICATION GEORGALAS, ANNE MARIE 3689 §103 Non-Final OA 83d Pending May 09, 2023
18298945 METHODS AND SYSTEMS FOR SECURE TRANSFER OF PAYMENT PLANS SHARVIN, DAVID P 3692 §101 Final Rejection 26d Pending Apr 11, 2023
18108898 Method, System, and Computer Program Product for Generating a Single-Use Digital Asset LOZA, JANICE JOMARIE 3698 §103 Non-Final OA Pending Feb 13, 2023
17990796 Method, System, and Computer Program Product for Grading an API Specification WOOD, WILLIAM C 2193 §101§103 Non-Final OA Pending Nov 21, 2022
17957925 DIGITAL FIAT CURRENCY SMITH, SLADE E 3696 §101 Final Rejection 18d overdue Pending Sep 30, 2022
17898347 AUTOMATED DATA CAPTURE PROCESSING GAW, MARK H 3693 §101 Final Rejection 56d Pending Aug 29, 2022
17790720 SYSTEM AND METHOD FOR TOKEN PROCESSING IDIAKE, VINCENT I 3698 §103 Non-Final OA Pending Jul 01, 2022
17695944 Method, System, and Computer Program Product for Predicting Future States Based on Time Series Data Using Feature Engineering and/or Hybrid Machine Learning Models KIM, JONATHAN J 2141 §103 Non-Final OA Pending Mar 16, 2022
17692820 SYSTEM AND METHOD FOR UPDATING ACCOUNT INFORMATION HUDSON, MARLA LAVETTE 3694 §101 Final Rejection 9d Pending Mar 11, 2022
17677159 System, Method, and Computer Program Product for Time Series Based Machine Learning Model Reduction Strategy SMITH, KEVIN LEE 2122 §101§103 Non-Final OA 14d Pending Feb 22, 2022
17495114 SYSTEM AND METHOD FOR FRAUD DETECTION USING MACHINE LEARNING TECHNOLOGY IMMANUEL, ILSE I 3699 §101§103§112 Non-Final OA Pending Oct 06, 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
17401002 SYSTEM AND METHOD FOR OPTIMIZING A MACHINE LEARNING MODEL NILSSON, ERIC 2151 §103 Final Rejection 125d overdue Pending Aug 12, 2021

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