Prosecution Insights
Last updated: May 29, 2026

VISA INTERNATIONAL SERVICE ASSOCIATION

82 pending office actions • 40 art units • 72 examiners • 0 of 82 (0%) have an AI response strategy ready • 203 patents granted in the last 365 days

Portfolio Summary

82
Total Pending OAs
48
Non-Final OAs
29
Final Rejections
5
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 81 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

34
Overdue
3
Due this week
23
Due this month
15
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. 81 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (34)Due ≤ 7 days (3)Due ≤ 30 days (23)Due ≤ 60 days (15)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.

22
Hard (27%)
53
Medium (65%)
1
Easy (1%)
6
Unknown (7%)

Rejection Statute Mix

BucketCases
§101 only22 (27%)
§103 only49 (60%)
§102 only4 (5%)
§112 only1 (1%)
No statute on record6 (7%)

Industry Mix

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

0
Life Sciences
0% of docket
27
Information Tech
33% of docket
0
Communications
0% of docket
1
Semiconductors
1% of docket
54
Mechanical / Eng
66% 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.

820 h
Manual time on pending OAs
164 h
Time saved (low, 20%)
287 h
Time saved (mid, 35%)
7.2 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
YONO, RAVEN E 3 39.5% +33.2%
KING, DAVIDA LEE 2 33.3% +41.7%
SHARON, AYAL I 2 43.1% +28.7%
DUCK, BRANDON M 2 64.6% +19.8%
DING, CHUNLING 2 55.3% +61.3%
KIM, STEVEN S 2 38.0% +39.5%
POE, KEVIN T 2 39.6% +16.1%
KANAAN, TONY P 2 29.3% +28.9%
RAZA, ZEHRA 2 44.5% +49.4%
SHAHABI, ARI ARASTOO 1 53.7% +40.4%

Hard Cases (22)

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
17401002 SYSTEM AND METHOD FOR OPTIMIZING A MACHINE LEARNING MODEL NILSSON, ERIC 125d overdue
18493101 Method, System, and Computer Program Product for Processing a Group Payment Credential KANAAN, TONY P 85d overdue
18347421 SYSTEM AND METHOD FOR REDUCING CROSS-CURRENCY TRANSACTIONS DUCK, BRANDON M 78d overdue
18114454 Method, System, and Computer Program Product for Linking Latent Related Payment Devices PUTTAIAH, ASHA 58d overdue
19118717 SAMPLING FRAMEWORK FOR IMBALANCED TRANSACTIONS BUNKER, WILLIAM B 46d 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

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
18438505 TRANSACTION PROCESSOR TESTING METHOD AND SYSTEM YONO, RAVEN E 147d overdue
18493101 Method, System, and Computer Program Product for Processing a Group Payment Credential KANAAN, TONY P 85d overdue
18347421 SYSTEM AND METHOD FOR REDUCING CROSS-CURRENCY TRANSACTIONS DUCK, BRANDON M 78d overdue
19065787 GLOBAL RELYING PARTY SYSTEM FOR VALIDATING DIGITAL IDENTITY CREDENTIALS DUCK, BRANDON M 15d overdue
18880629 TOKEN SERVICES FOR NON-FUNGIBLE TOKENS DING, CHUNLING 15d overdue
18548056 DIGITAL TAG INCLUDING REQUEST FOR INTERACTION KANAAN, TONY P 15d overdue
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION YONO, RAVEN E 11d overdue
19123351 GATED MULTI-ENCODER MACHINE LEARNING MODEL FOR DISTINGUISHING ATTACKS FROM NORMAL TRANSACTIONS SHAHABI, ARI ARASTOO 8d overdue

Top Art Units

Art UnitApps
3699 8
3693 7
3694 7
3698 6
3697 5
3691 5
3692 4
2439 3
3696 3
3695 2

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19314109 System, Method, and Computer Program Product for Secure Key Management KING, DAVIDA LEE 3699 Other Non-Final OA 34d Pending Aug 29, 2025
19123351 GATED MULTI-ENCODER MACHINE LEARNING MODEL FOR DISTINGUISHING ATTACKS FROM NORMAL TRANSACTIONS SHAHABI, ARI ARASTOO 3697 §101 Non-Final OA 8d overdue Pending Apr 22, 2025
19118717 SAMPLING FRAMEWORK FOR IMBALANCED TRANSACTIONS BUNKER, WILLIAM B 3691 §101 Non-Final OA 46d overdue Pending Apr 04, 2025
19098347 INTEGRATED CLAIMS PROCESSING HUB SHARON, AYAL I 3695 §103 Non-Final OA 34d Pending Apr 02, 2025
19117748 CARD WITH MAGNET ARRAY MARSHALL, CHRISTLE I 2876 §103 Non-Final OA 22d Pending Apr 02, 2025
19115996 ENTITY LINKING USING SUBGRAPH MATCHING GORTAYO, DANGELINO N 2168 §102 Non-Final OA 5d overdue Pending Mar 27, 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
19034888 REAL-TIME RISK BASED PAYMENT DECISION SERVICE FOR TRANSIT SYSTEM SHARON, AYAL I 3695 §103 Non-Final OA 4d overdue Pending Jan 23, 2025
19034286 CONDITIONAL OFFLINE INTERACTION SYSTEM AND METHOD NIGH, JAMES D 3699 §101 Non-Final OA 17d overdue Pending Jan 22, 2025
18993504 ENHANCED RECIPIENT NOTIFICATION JIMENEZ, JUSTIN ABEL 3697 §103 Non-Final OA 27d Pending Jan 10, 2025
18992714 Gesture-Controlled Payment Instrument BORLINGHAUS, JASON M 3692 §103 Non-Final OA 16d Pending Jan 09, 2025
18880629 TOKEN SERVICES FOR NON-FUNGIBLE TOKENS DING, CHUNLING 3699 §103 Non-Final OA 15d overdue Pending Jan 02, 2025
18878693 Method, System, and Computer Program Product for Efficient Content-Based Time Series Retrieval NGUYEN, HENRY K 2121 §103 Non-Final OA 44d overdue Pending Dec 24, 2024
18986426 ENHANCED AND EFFICIENT DATA FLOW YONO, RAVEN E 3694 §103 Non-Final OA 6d Pending Dec 18, 2024
18986441 TIME BASED RISK MANAGEMENT MECHANISMS ALI, HATEM M 3691 §103 Non-Final OA 38d overdue Pending Dec 18, 2024
18980729 INTEROPERABLE VALUE EXCHANGE SYSTEM AND METHOD PRESTON, JOHN O 3693 §103 Non-Final OA 34d Pending Dec 13, 2024
18945660 System, Method, and Computer Program Product for Authorization Based on Predicted Settlement Position SHAH, BHAVIN D 3694 §101 Final Rejection 23d Pending Nov 13, 2024
18935956 CROSS-BORDER QUICK RESPONSE (QR) PAYMENT FLOW FOR ENCRYPTED PRIMARY ACCOUNT NUMBER (PAN) PAYMENT FLOW CASTILHO, EDUARDO D 3698 §103 Final Rejection 16d Pending Nov 04, 2024
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION YONO, RAVEN E 3694 §103 Non-Final OA 11d overdue Pending Nov 01, 2024
18930825 TECHNIQUES FOR SECURELY PERFORMING OFFLINE AUTHENTICATION VAUGHAN, MICHAEL R 2431 §103 Non-Final OA 5d overdue Pending Oct 29, 2024
18930442 Method, System, and Computer Program Product for Protocol Parsing for Network Security KING, JOHN B 2498 Other Non-Final OA 29d Pending Oct 29, 2024
18905709 Method, System, and Computer Program Product for Improving Matching Algorithms PATEL, DIPEN M 3621 §101 Final Rejection 24d overdue Pending Oct 03, 2024
18890320 USE OF WEB AUTHENTICATION TO ENHANCE SECURITY OF SECURE REMOTE PLATFORM SYSTEMS SCOTT, RANDY A 2439 §103 Non-Final OA 34d Pending Sep 19, 2024
18847710 System, Method, and Computer Program Product for Preventing Miner Extractable Value (MEV) Attacks in a Blockchain Network SAX, TIMOTHY PAUL 3698 §103 Final Rejection 55d Pending Sep 17, 2024
18884659 SECONDARY ACCOUNT MANAGEMENT PLATFORM KIM, STEVEN S 3698 §112 Final Rejection 41d Pending Sep 13, 2024
18846914 IN-PERSON PEER-TO-PEER TRANSFER USING TAP ROSEN, ELIZABETH H 3693 §101 Final Rejection Pending Sep 13, 2024
18845853 PRIVACY-PRESERVING DETECTION FOR DIRECTIONAL ELECTRONIC COMMUNICATIONS RANKINS, WILLIAM E 3694 §101 Non-Final OA 26d Pending Sep 10, 2024
18827129 MICROSERVICE ADAPTIVE SECURITY HARDENING WANG, CHAO 2439 §103 Non-Final OA 49d overdue Pending Sep 06, 2024
18844375 CRYPTOGRAPHIC KEY STORE ON CARD NARRAMORE, BLAKE I 2438 §102 Non-Final OA 23d overdue Pending Sep 05, 2024
18825263 Method, System, and Computer Program Product for Identifying Library Vulnerabilities RAHMAN, SM AZIZUR 2434 §103 Non-Final OA 27d Pending Sep 05, 2024
18824177 METHOD AND SYSTEM FOR PROCESSING ACTION DATA TURCHEN, JAMES R 2439 Other Non-Final OA 5d overdue Pending Sep 04, 2024
18840527 Method, System, and Computer Program Product for Managing Configuration Lease KIM, HYUN SOO 2176 §103 Non-Final OA 22d Pending Aug 22, 2024
18838520 PRIVACY-PRESERVING BIOMETRICS FOR MULTI-FACTOR AUTHENTICATION LE, KHOI V 2436 Non-Final OA 22d Pending Aug 14, 2024
18833484 System, Method, and Computer Program Product for Energy Efficient Generation of Artificial Noise to Prevent Side-Channel Attacks LIU, ZHE 2493 §103 Non-Final OA 61d Pending Jul 26, 2024
18764064 SECURE REMOTE TRANSACTION SYSTEM USING MOBILE DEVICES EBERSMAN, BRUCE I 3693 §102 Final Rejection 49d Pending Jul 03, 2024
18762822 Method, System, and Computer Program Product for Controlling Issuer Transactions POE, KEVIN T 3692 §101 Final Rejection 6d Pending Jul 03, 2024
18716450 UNIVERSAL PAYMENT CHANNEL SYSTEM AND METHOD IMMANUEL, ILSE I 3699 §103 Final Rejection 62d Pending Jun 04, 2024
18702496 Method, System, and Computer Program Product for Auto-Profiling Anomalies HILMANTEL, ADAM J 3691 §103 Non-Final OA 43d Pending Apr 18, 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 §103 Final Rejection 30d Pending Apr 01, 2024
18696294 REMOTE IDENTITY INTERACTION GERGISO, TECHANE 2408 §103 Non-Final OA 28d Pending Mar 27, 2024
18694886 SYSTEM AND METHODS FOR ENABLING ULTRA-WIDE BAND IN PASSIVE DEVICES LEUNG, ROBERT B 2494 §103 Final Rejection 83d Pending Mar 22, 2024
18689395 CARD WITH SURFACE FEATURES FOR ACCOUNT SELECTION WONG, ERIC TAK WAI 3693 §103 Non-Final OA 84d Pending Mar 05, 2024
18438505 TRANSACTION PROCESSOR TESTING METHOD AND SYSTEM YONO, RAVEN E 3694 §101 Non-Final OA 147d overdue Pending Feb 11, 2024
18438437 MOBILE MERCHANT PAYMENT SYSTEM SIMPSON, DIONE N 3628 §103 Non-Final OA 8d Pending Feb 10, 2024
18682080 METHOD AND SYSTEM FOR GENERATING A SECRET KEY USING NON-COMMUNICATING ENTITIES DAVIS, ZACHARY A 2492 §102 Non-Final OA 2d overdue Pending Feb 07, 2024
18430504 SECURE COMMUNICATION OF SENSITIVE INFORMATION TO VISUALLY IMPAIRED DEVICE USERS MAAZOUZ, GHIZLANE 2499 §103 Final Rejection 39d Pending Feb 01, 2024
18414594 PAYMENT NETWORK INTENT MONEY MANAGER WORJLOH, JALATEE 3697 §103 Non-Final OA 30d overdue Pending Jan 17, 2024
18408422 AUGMENTED LOOKUPS CORRIELUS, JEAN M 2159 §103 Non-Final OA 4d overdue Pending Jan 09, 2024
18406026 BLOCKCHAIN ARCHITECTURE WITH RECORD SECURITY DING, CHUNLING 3699 §103 Final Rejection 15d Pending Jan 05, 2024
18396099 Apparatus, System, and Method for Enabling Secure Transactions with Haptic Authorization LEE, CLAY C 3699 §103 Non-Final OA 36d Pending Dec 26, 2023
18544527 PRIORITIZATION AND APPROVAL AUTOMATIONS FOR EFFECTIVE USER ACCESS RIGHTS MANAGEMENT NGUYEN, DUSTIN 2446 §103 Final Rejection 8d overdue Pending Dec 19, 2023
18513136 WIRELESS BIOMETRIC AUTHENTICATION SYSTEM AND METHOD TC 3600, DOCKET 3600 §103 Non-Final OA 46d overdue Pending Nov 17, 2023
18493101 Method, System, and Computer Program Product for Processing a Group Payment Credential KANAAN, TONY P 3696 §101 Non-Final OA 85d overdue Pending Oct 24, 2023
18477505 TOKEN PORTFOLIO MIGRATION SYSTEM AND METHOD POE, KEVIN T 3692 §101 Final Rejection 50d Pending Sep 28, 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
18462345 SMART DEVICE SYSTEM AND METHOD OF USE OUSSIR, EL MEHDI 3699 Other Final Rejection 21d Pending Sep 06, 2023
18548056 DIGITAL TAG INCLUDING REQUEST FOR INTERACTION KANAAN, TONY P 3696 §101 Non-Final OA 15d overdue Pending Aug 25, 2023
18347421 SYSTEM AND METHOD FOR REDUCING CROSS-CURRENCY TRANSACTIONS DUCK, BRANDON M 3693 §101 Final Rejection 78d overdue Pending Jul 05, 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 Final Rejection 83d Pending May 09, 2023
18310355 SYSTEM AND METHOD FOR IDENTITY CHAINING KAZIMI, HANI M 3691 §101 Final Rejection 40d Pending May 01, 2023
18298945 METHODS AND SYSTEMS FOR SECURE TRANSFER OF PAYMENT PLANS SHARVIN, DAVID P 3692 §101 Final Rejection 26d Pending Apr 11, 2023
18194213 PREDICTIVE MACHINE LEARNING ARCHITECTURE FOR IDENTIFYING GAPS IN NETWORK ACTIVITY KIM, HARRISON CHAN YOUNG 2145 §103 Non-Final OA 14d Pending Mar 31, 2023
18028845 DETECTING ADVERSARIAL EXAMPLES USING LATENT NEIGHBORHOOD GRAPHS ALSHAHARI, SADIK AHMED 2121 §103 Non-Final OA 26d overdue Pending Mar 28, 2023
18185444 ACCELERATED ADVERSARIAL TRAINING FOR LARGE-SCALE SOURCE CODE DATASETS VIA FEATURE-SPACE TRANSFORMATION DEVORE, CHRISTOPHER DILLON 2129 §103 Non-Final OA 5d Pending Mar 17, 2023
18044736 DYNAMIC GRAPH NODE EMBEDDING VIA LIGHT CONVOLUTION TRAN, DAVID HOANG 2147 §103 Non-Final OA 12d Pending Mar 09, 2023
18044060 SECURE AND SCALABLE PRIVATE SET INTERSECTION FOR LARGE DATASETS MUNGUIA, DUILIO 2497 §103 Non-Final OA 3d overdue Pending Mar 03, 2023
18114454 Method, System, and Computer Program Product for Linking Latent Related Payment Devices PUTTAIAH, ASHA 3691 §101 Final Rejection 58d overdue Pending Feb 27, 2023
18040673 EFFICIENT AND SECURE AUTHENTICATION SYSTEM AND METHOD CAREY, FORREST L 2491 §103 Non-Final OA 46d overdue Pending Feb 06, 2023
18040611 RAPID CRYPTOCURRENCY TRANSACTION PROCESSING KIM, STEVEN S 3698 §103 Non-Final OA 2d overdue Pending Feb 03, 2023
18154716 AUTONOMOUS LEARNING PLATFORM FOR NOVEL FEATURE DISCOVERY SMITH, BRIAN M 2122 Other Non-Final OA 24d overdue Pending Jan 13, 2023
18152025 PROVISIONING PLATFORM FOR MACHINE-TO-MACHINE DEVICES RAZA, ZEHRA 3697 §103 Final Rejection 70d Pending Jan 09, 2023
17957925 DIGITAL FIAT CURRENCY SMITH, SLADE E 3696 §101 Non-Final OA 18d overdue Pending Sep 30, 2022
17907932 DIGITAL TAG RAZA, ZEHRA 3697 §103 Final Rejection 49d Pending Aug 29, 2022
17898347 AUTOMATED DATA CAPTURE PROCESSING GAW, MARK H 3693 §101 Final Rejection 56d Pending Aug 29, 2022
17784981 PLAN INTERACTION UTILIZING CRYPTOGRAM DIROMA, SCOTT MICHAEL 3698 §103 Non-Final OA 27d Pending Jun 13, 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 §103 Final Rejection 14d Pending Feb 22, 2022
17401002 SYSTEM AND METHOD FOR OPTIMIZING A MACHINE LEARNING MODEL NILSSON, ERIC 2151 §101 Non-Final OA 125d overdue Pending Aug 12, 2021
17337742 SYSTEMS AND METHODS FOR VERIFYING AND PROCESSING TRANSACTIONS USING VIRTUAL CURRENCY KING, DAVIDA LEE 3699 §103 Non-Final OA 16d Pending Jun 03, 2021
17261676 PRIVACY PRESERVING AI DERIVED SIMULATED WORLD YESILDAG, MEHMET 3624 §101 Final Rejection 55d Pending Jan 20, 2021
17128572 System, Method, and Computer Program Product for Determining Correspondence of Non-Indexed Records WERONSKI, MATTHEW S 3627 §103 Non-Final OA 203d overdue Pending Dec 21, 2020

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