Prosecution Insights
Last updated: April 19, 2026

VISA INTERNATIONAL SERVICE ASSOCIATION

97 pending office actions

Portfolio Summary

97
Total Pending OAs
32
Final Rejections
65
Non-Final OAs

Pending Office Actions

App #TitleExaminerArt UnitStatusFiled
19128535 SYSTEMS AND METHODS FOR PROCESSING CRYPTOCURRENCY TRANSACTIONS MILEF, ELDA G 3694 Final Rejection May 08, 2025
19123351 GATED MULTI-ENCODER MACHINE LEARNING MODEL FOR DISTINGUISHING ATTACKS FROM NORMAL TRANSACTIONS SHAHABI, ARI ARASTOO 3697 Non-Final OA Apr 22, 2025
19118717 SAMPLING FRAMEWORK FOR IMBALANCED TRANSACTIONS BUNKER, WILLIAM B 3691 Non-Final OA Apr 04, 2025
19098347 INTEGRATED CLAIMS PROCESSING HUB SHARON, AYAL I 3695 Non-Final OA Apr 02, 2025
19117748 CARD WITH MAGNET ARRAY MARSHALL, CHRISTLE I 2876 Non-Final OA Apr 02, 2025
19115996 ENTITY LINKING USING SUBGRAPH MATCHING GORTAYO, DANGELINO N 2168 Non-Final OA Mar 27, 2025
19065787 GLOBAL RELYING PARTY SYSTEM FOR VALIDATING DIGITAL IDENTITY CREDENTIALS DUCK, BRANDON M 3693 Non-Final OA Feb 27, 2025
19034888 REAL-TIME RISK BASED PAYMENT DECISION SERVICE FOR TRANSIT SYSTEM SHARON, AYAL I 3695 Non-Final OA Jan 23, 2025
19034286 CONDITIONAL OFFLINE INTERACTION SYSTEM AND METHOD NIGH, JAMES D 3699 Non-Final OA Jan 22, 2025
18993504 ENHANCED RECIPIENT NOTIFICATION JIMENEZ, JUSTIN ABEL 3697 Non-Final OA Jan 10, 2025
18992714 Gesture-Controlled Payment Instrument BORLINGHAUS, JASON M 3692 Non-Final OA Jan 09, 2025
18880629 TOKEN SERVICES FOR NON-FUNGIBLE TOKENS DING, CHUNLING 3699 Non-Final OA Jan 02, 2025
18878693 Method, System, and Computer Program Product for Efficient Content-Based Time Series Retrieval NGUYEN, HENRY K 2121 Non-Final OA Dec 24, 2024
18986441 TIME BASED RISK MANAGEMENT MECHANISMS ALI, HATEM M 3691 Non-Final OA Dec 18, 2024
18986426 ENHANCED AND EFFICIENT DATA FLOW YONO, RAVEN E 3694 Non-Final OA Dec 18, 2024
18984259 ACCESS DATA CLASSIFICATION SYSTEM ASPINWALL, EVAN S 2152 Non-Final OA Dec 17, 2024
18972603 MOBILE SERVICES REMOTE DEPOSIT CAPTURE SHARON, AYAL I 3695 Non-Final OA Dec 06, 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 Non-Final OA Nov 20, 2024
18945660 System, Method, and Computer Program Product for Authorization Based on Predicted Settlement Position SHAH, BHAVIN D 3694 Final Rejection Nov 13, 2024
18935956 CROSS-BORDER QUICK RESPONSE (QR) PAYMENT FLOW FOR ENCRYPTED PRIMARY ACCOUNT NUMBER (PAN) PAYMENT FLOW CASTILHO, EDUARDO D 3698 Final Rejection Nov 04, 2024
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION YONO, RAVEN E 3694 Non-Final OA Nov 01, 2024
18930442 Method, System, and Computer Program Product for Protocol Parsing for Network Security KING, JOHN B 2498 Non-Final OA Oct 29, 2024
18930825 TECHNIQUES FOR SECURELY PERFORMING OFFLINE AUTHENTICATION VAUGHAN, MICHAEL R 2431 Non-Final OA Oct 29, 2024
18905709 Method, System, and Computer Program Product for Improving Matching Algorithms PATEL, DIPEN M 3621 Final Rejection Oct 03, 2024
18897983 SYSTEMS AND METHODS FOR WHITEBOX DEVICE BINDING TSANG, HENRY 2495 Non-Final OA Sep 26, 2024
18894841 Trusted Identification of Enrolling Users Based on Images and Unique Identifiers Associated With Sponsoring Users WON, MICHAEL YOUNG 2443 Non-Final OA Sep 24, 2024
18888221 System, Method, and Computer Program Product for Real-Time Automated Teller Machine Fraud Detection and Prevention JACOB, WILLIAM J 3696 Non-Final OA Sep 18, 2024
18884659 SECONDARY ACCOUNT MANAGEMENT PLATFORM KIM, STEVEN S 3698 Final Rejection Sep 13, 2024
18846147 OFFLINE INTERACTION BLOCKCHAIN SYSTEM AND METHOD TURK, BROCK E 3692 Non-Final OA Sep 11, 2024
18845853 PRIVACY-PRESERVING DETECTION FOR DIRECTIONAL ELECTRONIC COMMUNICATIONS RANKINS, WILLIAM E 3694 Non-Final OA Sep 10, 2024
18827129 MICROSERVICE ADAPTIVE SECURITY HARDENING WANG, CHAO 2439 Non-Final OA Sep 06, 2024
18825796 SYSTEM AND METHODS FOR DATA SECURITY USING DISTANCE MEASUREMENT MOORTHY, ARAVIND K 2407 Non-Final OA Sep 05, 2024
18825263 Method, System, and Computer Program Product for Identifying Library Vulnerabilities RAHMAN, SM AZIZUR 2434 Non-Final OA Sep 05, 2024
18844375 CRYPTOGRAPHIC KEY STORE ON CARD NARRAMORE, BLAKE I 2438 Non-Final OA Sep 05, 2024
18824177 METHOD AND SYSTEM FOR PROCESSING ACTION DATA TURCHEN, JAMES R 2439 Non-Final OA Sep 04, 2024
18840527 Method, System, and Computer Program Product for Managing Configuration Lease KIM, HYUN SOO 2176 Non-Final OA Aug 22, 2024
18809299 METHOD OF PERFORMING TRANSACTIONS WITH CONTACTLESS PAYMENT DEVICES USING PRE-TAP AND TWO-TAP OPERATIONS EBERSMAN, BRUCE I 3693 Final Rejection Aug 19, 2024
18839359 Method and System for Performing Transaction by Implementing a Token Provisioning Service YONO, RAVEN E 3694 Final Rejection Aug 16, 2024
18838520 PRIVACY-PRESERVING BIOMETRICS FOR MULTI-FACTOR AUTHENTICATION LE, KHOI V 2436 Non-Final OA Aug 14, 2024
18835380 System, Method, and Computer Program Product for Interpreting Black Box Models for Payment Authorization Decisions RANKINS, WILLIAM E 3694 Final Rejection Aug 02, 2024
18787852 SECURE CARD MAI, THIEN T 2876 Non-Final OA Jul 29, 2024
18728063 MULTI-LEVEL FINGERPRINTS TO DERIVE MISSING DATA DURING RETRY DETECTION DINH, KHANH Q 2458 Non-Final OA Jul 10, 2024
18762822 Method, System, and Computer Program Product for Controlling Issuer Transactions POE, KEVIN T 3692 Final Rejection Jul 03, 2024
18643755 SECURITY SYSTEM INCORPORATING MOBILE DEVICE HUANG, JAY 3619 Non-Final OA Apr 23, 2024
18701667 System, Method, and Computer Program Product for Real-Time Transactions SHARVIN, DAVID P 3692 Final Rejection Apr 16, 2024
18623147 SYSTEMS AND METHODS FOR DISPLAYING USER-CREATED INFORMATION ON A PAYMENT DEVICE TO ASSIST A USER IN SELECTING A PAYMENT DEVICE FOR USE IN A TRANSACTION PINSKY, DOUGLAS W 3626 Final Rejection Apr 01, 2024
18696294 REMOTE IDENTITY INTERACTION GERGISO, TECHANE 2408 Final Rejection Mar 27, 2024
18589366 FLEET-BASED MERCHANT DISCOUNT SYSTEM AND METHOD THEREFOR DURAN, ARTHUR D 3622 Non-Final OA Feb 27, 2024
18438437 MOBILE MERCHANT PAYMENT SYSTEM SIMPSON, DIONE N 3628 Non-Final OA Feb 10, 2024
18682080 METHOD AND SYSTEM FOR GENERATING A SECRET KEY USING NON-COMMUNICATING ENTITIES DAVIS, ZACHARY A 2492 Non-Final OA Feb 07, 2024
18430504 SECURE COMMUNICATION OF SENSITIVE INFORMATION TO VISUALLY IMPAIRED DEVICE USERS MAAZOUZ, GHIZLANE 2499 Final Rejection Feb 01, 2024
18429003 Format-Preserving Tokenization REZA, MOHAMMAD W 2407 Non-Final OA Jan 31, 2024
18290713 SECURE INTERACTION USING UNI-DIRECTIONAL DATA CORRELATION TOKENS PATEL, DHAIRYA A 2453 Non-Final OA Jan 19, 2024
18408422 AUGMENTED LOOKUPS CORRIELUS, JEAN M 2159 Non-Final OA Jan 09, 2024
18406026 BLOCKCHAIN ARCHITECTURE WITH RECORD SECURITY DING, CHUNLING 3699 Final Rejection Jan 05, 2024
18396099 Apparatus, System, and Method for Enabling Secure Transactions with Haptic Authorization LEE, CLAY C 3699 Non-Final OA Dec 26, 2023
18544527 PRIORITIZATION AND APPROVAL AUTOMATIONS FOR EFFECTIVE USER ACCESS RIGHTS MANAGEMENT NGUYEN, DUSTIN 2446 Final Rejection Dec 19, 2023
18513136 WIRELESS BIOMETRIC AUTHENTICATION SYSTEM AND METHOD TC 3600, DOCKET 3600 Non-Final OA Nov 17, 2023
18559788 USER VERIFICATION WITH DIGITAL TAG STEVENSON, CHRISTINA C 3698 Final Rejection Nov 08, 2023
18488135 Apparatus, System, and Method for Enabling Secure Transactions with Audible Authorization XIAO, ZESHENG 3698 Non-Final OA Oct 17, 2023
18377864 Method, System, and Computer Program Product for Flexible Settlement Decisions JUNG, HENRY H 3695 Final Rejection Oct 09, 2023
18376504 Method, System, and Computer Program Product for Encoding Offers DAGNEW, SABA 3621 Final Rejection Oct 04, 2023
18474729 MULTILAYER IDENTITY TRANSACTION CONTROL AND VERIFICATION FOR E-COMMERCE TRANSACTIONS CUNNINGHAM II, GREGORY S 3694 Final Rejection Sep 26, 2023
18281663 System, Method, and Computer Program Product to Compare Machine Learning Models PONTIUS, JAMES M 2488 Non-Final OA Sep 12, 2023
18280727 System, Method, and Computer Program Product for Anomaly Detection in Multivariate Time Series HARPER, ELIYAH STONE 2166 Non-Final OA Sep 07, 2023
18549519 INTERPRETABLE SYSTEM WITH INTERACTION CATEGORIZATION KIM, TAE K 2496 Non-Final OA Sep 07, 2023
18462345 SMART DEVICE SYSTEM AND METHOD OF USE OUSSIR, EL MEHDI 3699 Final Rejection Sep 06, 2023
18280493 System, Method, and Computer Program Product for State Compression in Stateful Machine Learning Models SHAW, PETER C 2493 Non-Final OA Sep 06, 2023
18548056 DIGITAL TAG INCLUDING REQUEST FOR INTERACTION KANAAN, TONY P 3696 Non-Final OA Aug 25, 2023
18359628 SYSTEM TO PREVENT FRAUDS AND AUTHENTICATE USERS FOR THIRD PARTY APPLICATIONS WHILE TOKEN PROCESSING ZELASKIEWICZ, CHRYSTINA E 3699 Final Rejection Jul 26, 2023
18347421 SYSTEM AND METHOD FOR REDUCING CROSS-CURRENCY TRANSACTIONS DUCK, BRANDON M 3693 Final Rejection Jul 05, 2023
18319219 PRIVACY PROTECTED CONSUMERS IDENTITY FOR CENTRALIZED P2P NETWORK SERVICES IDIAKE, VINCENT I 3698 Final Rejection May 17, 2023
18317849 INSTALLMENTS SYSTEM AND METHOD SHAH, BHAVIN D 3694 Final Rejection May 15, 2023
18310355 SYSTEM AND METHOD FOR IDENTITY CHAINING KAZIMI, HANI M 3691 Final Rejection May 01, 2023
18298945 METHODS AND SYSTEMS FOR SECURE TRANSFER OF PAYMENT PLANS SHARVIN, DAVID P 3692 Final Rejection Apr 11, 2023
18194213 PREDICTIVE MACHINE LEARNING ARCHITECTURE FOR IDENTIFYING GAPS IN NETWORK ACTIVITY KIM, HARRISON CHAN YOUNG 2145 Non-Final OA Mar 31, 2023
18028845 DETECTING ADVERSARIAL EXAMPLES USING LATENT NEIGHBORHOOD GRAPHS ALSHAHARI, SADIK AHMED 2121 Non-Final OA Mar 28, 2023
18185444 ACCELERATED ADVERSARIAL TRAINING FOR LARGE-SCALE SOURCE CODE DATASETS VIA FEATURE-SPACE TRANSFORMATION DEVORE, CHRISTOPHER DILLON 2129 Non-Final OA Mar 17, 2023
18026854 Systems, Methods, and Computer Program Products for Authenticating Devices ZELASKIEWICZ, CHRYSTINA E 3699 Non-Final OA Mar 17, 2023
18044736 DYNAMIC GRAPH NODE EMBEDDING VIA LIGHT CONVOLUTION TRAN, DAVID HOANG 2147 Non-Final OA Mar 09, 2023
18044060 SECURE AND SCALABLE PRIVATE SET INTERSECTION FOR LARGE DATASETS MUNGUIA, DUILIO 2497 Non-Final OA Mar 03, 2023
18114454 Method, System, and Computer Program Product for Linking Latent Related Payment Devices PUTTAIAH, ASHA 3691 Final Rejection Feb 27, 2023
18040673 EFFICIENT AND SECURE AUTHENTICATION SYSTEM AND METHOD CAREY, FORREST L 2491 Non-Final OA Feb 06, 2023
18040611 RAPID CRYPTOCURRENCY TRANSACTION PROCESSING KIM, STEVEN S 3698 Non-Final OA Feb 03, 2023
18154716 AUTONOMOUS LEARNING PLATFORM FOR NOVEL FEATURE DISCOVERY SMITH, BRIAN M 2122 Non-Final OA Jan 13, 2023
17957925 DIGITAL FIAT CURRENCY SMITH, SLADE E 3696 Non-Final OA Sep 30, 2022
17790720 SYSTEM AND METHOD FOR TOKEN PROCESSING IDIAKE, VINCENT I 3698 Final Rejection Jul 01, 2022
17784981 PLAN INTERACTION UTILIZING CRYPTOGRAM DIROMA, SCOTT MICHAEL 3698 Non-Final OA Jun 13, 2022
17773653 PAYMENT SYSTEM AND APPARATUS DAGNEW, SABA 3621 Non-Final OA May 02, 2022
17692820 SYSTEM AND METHOD FOR UPDATING ACCOUNT INFORMATION HUDSON, MARLA LAVETTE 3694 Final Rejection Mar 11, 2022
17677159 System, Method, and Computer Program Product for Time Series Based Machine Learning Model Reduction Strategy SMITH, KEVIN LEE 2122 Final Rejection Feb 22, 2022
17533985 MACHINE LEARNING AND STATISTICAL BASED ANOMALY DETECTION ALGORITHM TO REACT TO CORRELATION SHIFTS SMITH, KEVIN LEE 2122 Final Rejection Nov 23, 2021
17432989 SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR GENERATING ENHANCED N-GRAM MODELS LIU, CHIA-YI 3692 Non-Final OA Aug 23, 2021
17401002 SYSTEM AND METHOD FOR OPTIMIZING A MACHINE LEARNING MODEL NILSSON, ERIC 2151 Non-Final OA Aug 12, 2021
17337742 SYSTEMS AND METHODS FOR VERIFYING AND PROCESSING TRANSACTIONS USING VIRTUAL CURRENCY KING, DAVIDA LEE 3699 Non-Final OA Jun 03, 2021
17267435 Techniques For Matching Disparate Input Data GERMICK, JOHNATHAN R 2122 Non-Final OA Feb 09, 2021
17261676 PRIVACY PRESERVING AI DERIVED SIMULATED WORLD YESILDAG, MEHMET 3624 Final Rejection Jan 20, 2021

Managing VISA INTERNATIONAL SERVICE ASSOCIATION's Patent Portfolio?

IP Author helps IP teams respond to office actions faster with AI-generated responses, examiner analytics, and prosecution intelligence.

Start Free Trial

Sign in with your work email

Enter your email to receive a magic link. No password needed.

Personal email addresses (Gmail, Yahoo, etc.) are not accepted.

Free tier: 3 strategy analyses per month