Prosecution Insights
Prosecution Insights
Technology area: Transportation, E-Commerce & Mechanical Systems
225 pending office actions • 64 art units • 174 examiners • 0 of 225 (0%) have an AI response strategy ready • 346 patents granted in the last 365 days
Wells Fargo Bank, N.A. has 223 pending office actions in the Transportation, E-Commerce & Mechanical Systems technology area. This portfolio is distributed across 64 distinct art units, reflecting a wide range of financial and mechanical technologies. The prosecution involves 174 distinct examiners, which suggests that most examiners are handling only one or two matters for the bank.
BUI, TOAN D. is the busiest examiner, with 7 pending office actions. While this is the highest count for a single examiner, it is a low number compared to the 223 total pending actions. With 174 distinct examiners and 64 distinct art units, the bank must navigate a diverse examination environment at the USPTO.
Based on the USPTO statutory response window for each pending office action. 83 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. 83 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 | 55 (24%) |
| §101 + other | 86 (38%) |
| §103 only | 54 (24%) |
| §102 only | 1 (0%) |
| §112 only | 3 (1%) |
| Double-patenting only | 8 (4%) |
| Double-patenting + other | 4 (2%) |
| Multi-statute (no §101) | 14 (6%) |
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 |
|---|---|---|---|
| BUI, TOAN D. | 7 | 55.9% | +42.3% |
| ROSEN, ELIZABETH H | 5 | 46.0% | +49.9% |
| RANKINS, WILLIAM E | 4 | 57.7% | +8.2% |
| KIM, STEVEN S | 3 | 38.6% | +39.7% |
| PARK, YONG S | 3 | 25.9% | +11.1% |
| FELTEN, DANIEL S | 3 | 46.5% | +12.2% |
| YONO, RAVEN E | 3 | 38.9% | +33.6% |
| JAMES, GREGORY MARK | 3 | 19.4% | +14.2% |
| PATEL, DIVESH | 3 | 53.2% | +41.2% |
| PHAN, NICHOLAS K | 2 | 51.8% | +18.8% |
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 |
|---|---|---|---|
| 18545484 | SYSTEMS AND METHODS FOR PROVIDING A DYNAMIC DEVICE TRUST DASHBOARD | KIM, STEVEN S | 93d overdue |
| 18184174 | SYSTEMS AND METHODS FOR GENERATING PREDICTIVE OUTCOMES FOR SCENARIOS USING GENERATIVE ARTIFICIAL INTELLIGENCE | SACKALOSKY, COREY MATTHEW | 92d overdue |
| 18667713 | APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR EVENT-BASED PAYMENT ORCHESTRATION | RANKINS, WILLIAM E | 91d overdue |
| 18762446 | SYSTEMS AND METHODS FOR REMOTE ATM ACCESS | BUI, TOAN D. | 46d overdue |
| 18609936 | UNIVERSAL CASSETTE FOR RECIRCULATION OF BILLS IN MULTIPLE SYSTEMS | BUI, TOAN D. | 46d overdue |
| 18395920 | SYSTEMS AND METHODS FOR CUSTOMIZING PERSONALIZATION SETTINGS FOR A USER | SYROWIK, MATHEW RICHARD | 45d overdue |
| 18655126 | SYSTEMS AND METHODS FOR FRAUD CONTROLS FOR AUTOMATED TRANSACTION MACHINES | HILMANTEL, ADAM J | 35d overdue |
| 18643854 | SYSTEMS AND METHODS FOR MITIGATING DONATION FRAUD | PATEL, DIVESH | 31d overdue |
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 |
|---|---|---|---|
| 18545484 | SYSTEMS AND METHODS FOR PROVIDING A DYNAMIC DEVICE TRUST DASHBOARD | KIM, STEVEN S | 93d overdue |
| 18669119 | SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA LOCKBOXES | BUI, TOAN D. | 91d overdue |
| 18240114 | SYSTEMS AND METHODS FOR ACCOUNT-LINKED PIGGY BANK | PATEL, DIVESH | 85d overdue |
| 18762446 | SYSTEMS AND METHODS FOR REMOTE ATM ACCESS | BUI, TOAN D. | 46d overdue |
| 18609936 | UNIVERSAL CASSETTE FOR RECIRCULATION OF BILLS IN MULTIPLE SYSTEMS | BUI, TOAN D. | 46d overdue |
| 18643854 | SYSTEMS AND METHODS FOR MITIGATING DONATION FRAUD | PATEL, DIVESH | 31d overdue |
| 18648230 | SYSTEMS AND METHODS FOR STAGING AND CASTING A TRANSACTION BETWEEN DEVICES | JAMES, GREGORY MARK | 15d overdue |
| 18608331 | UNIVERSAL CASSETTE FOR RECIRCULATION OF BILLS IN MULTIPLE SYSTEMS | BUI, TOAN D. | 4d overdue |
| Art Unit | Apps |
|---|---|
| 3693 | 22 |
| 3692 | 16 |
| 3694 | 13 |
| 3695 | 11 |
| 3697 | 10 |
| 3699 | 8 |
| 3696 | 8 |
| 3698 | 6 |
| 3691 | 6 |
| 3627 | 5 |
| App # | Title | Examiner | Art Unit | Statutes | Status | Due in | AI | Filed |
|---|---|---|---|---|---|---|---|---|
| 19560338 | PROTECTING TOKENIZED STRUCTURES USING A PROTECTION ARCHITECTURE | DING, CHUNLING | 3699 | §112DPOther | Non-Final OA | — | Pending | Mar 09, 2026 |
| 19436456 | PAY WITH POINTS VIRTUAL CARD | KHATRI, NILESH B | 3699 | DP | Non-Final OA | — | Pending | Dec 30, 2025 |
| 19433594 | SYSTEMS AND METHODS FOR SMART CARD ONLINE PURCHASE AUTHENTICATION | PHAN, NICHOLAS K | 3699 | §101§103Other | Non-Final OA | — | Pending | Dec 26, 2025 |
| 19421488 | SYSTEMS AND METHODS FOR MAINTAINING DEPOSITS OF MATH-BASED CURRENCY | IMMANUEL, ILSE I | 3699 | §101§103Other | Non-Final OA | — | Pending | Dec 16, 2025 |
| 19410777 | SYSTEMS AND METHODS FOR PROVIDING A DYNAMIC DEVICE TRUST DASHBOARD | KIM, STEVEN S | 3698 | §101§103§112 | Non-Final OA | — | Pending | Dec 05, 2025 |
| 19410216 | INFRASTRUCTURE FOR MAINTAINING MATH-BASED CURRENCY ACCOUNTS | ZHOU, YINGYING | 3697 | §101§103Other | Non-Final OA | — | Pending | Dec 05, 2025 |
| 19410877 | COMPUTER-BASED SYSTEM FOR SECURE CURBSIDE BANKING | QAYYUM, ZESHAN | 3697 | §101§102§103Other | Non-Final OA | — | Pending | Dec 05, 2025 |
| 19393820 | SYSTEMS AND METHODS OF EXCHANGING DIGITAL ASSETS USING A PUBLIC KEY CRYPTOGRAPHY (PKC) FRAMEWORK | ZHOU, YINGYING | 3697 | §101§112Other | Non-Final OA | — | Pending | Nov 19, 2025 |
| 19373012 | SYSTEMS AND METHODS FOR PROVIDING A DELEGATE NOTIFICATION SCHEME | TRAN, HAI | 3695 | §101Other | Non-Final OA | — | Pending | Oct 29, 2025 |
| 19353498 | INSTANT NETWORK CASH TRANSFER AT POINT OF SALE | APPLE, KIRSTEN SACHWITZ | 3693 | §101Other | Non-Final OA | — | Pending | Oct 08, 2025 |
| 19344702 | DOCUMENT SET INTERROGATION TOOL | UDDIN, MD I | 2169 | §101§102§103 | Non-Final OA | — | Pending | Sep 30, 2025 |
| 19317056 | SYSTEM AND METHOD FOR CARD CONTROL | OUSSIR, EL MEHDI | 3699 | §101§103DP | Final Rejection | 29d | Pending | Sep 02, 2025 |
| 19310773 | SYSTEMS AND METHODS FOR INFORMATION VERIFICATION USING A CONTACTLESS CARD | JOHNSON, SONJI N | 2876 | §103 | Final Rejection | — | Pending | Aug 26, 2025 |
| 19303052 | ASSESSING SECURITY OF SERVICE PROVIDER COMPUTING SYSTEMS | MAI, KEVIN S | — | §103 | Non-Final OA | — | Pending | Aug 18, 2025 |
| 19301801 | SYSTEMS AND METHODS FOR LOCATION-BINDING AUTHENTICATION | BRIDGES, CHRISTOPHER | — | §101§102§103 | Non-Final OA | — | Pending | Aug 15, 2025 |
| 19300042 | BANK-DRIVEN MODEL FOR PREVENTING DOUBLE SPENDING OF DIGITAL CURRENCY TRANSFERRED BETWEEN MULTIPLE DLT NETWORKS USING A TRUSTED INTERMEDIARY | ROSEN, ELIZABETH H | — | §101§103DP | Non-Final OA | — | Pending | Aug 14, 2025 |
| 19296782 | SYSTEMS AND METHODS FOR HOME LENDING DATA CONTROL | NGUYEN, PHONG H | — | §101§102§103 | Non-Final OA | — | Pending | Aug 11, 2025 |
| 19292730 | SYSTEM FOR MANAGING VENDOR DATA | CASANOVA, JORGE A | — | §103§112Other | Non-Final OA | — | Pending | Aug 06, 2025 |
| 19274252 | LOCALIZATION CONTROL FOR NON-FUNGIBLE TOKENS (NFTS) VIA TRANSFER BY CONTAINERIZED DATA STRUCTURES | LOZA, JANICE JOMARIE | 3698 | DP | Non-Final OA | 17d overdue | Pending | Jul 18, 2025 |
| 19274001 | SYSTEMS AND METHODS FOR IDENTIFYING ACTIVITIES OF INDIVIDUALS IN VIRTUAL SPACES USING IDENTITY LINKING | PHAM, PHUC H | — | DP | Non-Final OA | — | Pending | Jul 18, 2025 |
| 19264619 | SYSTEM AND METHOD FOR FINANCIAL HEALTH ROBO-ADVISOR | TRAN, HAI | — | §101Other | Non-Final OA | — | Pending | Jul 09, 2025 |
| 19257383 | SYSTEMS AND METHODS FOR COLLATERAL DEPOSIT IDENTIFICATION | AKINTOLA, OLABODE | 3691 | DP | Non-Final OA | — | Pending | Jul 01, 2025 |
| 19257389 | SECURE DIGITAL AUTHORIZATION BASED ON IDENTITY ELEMENTS OF USERS AND/OR LINKAGE DEFINITIONS IDENTIFYING SHARED DIGITAL ASSETS | WRIGHT, BRYAN F | 2431 | §103 | Non-Final OA | — | Pending | Jul 01, 2025 |
| 19249485 | CHANGE MANAGEMENT AND CLOUD STORAGE FOR UNIFIED DATA CATALOG | VU, BAI DUC | 2163 | §103 | Final Rejection | — | Pending | Jun 25, 2025 |
| 19248206 | RETAILER CARD INSTANT APPROVAL AND PROVISIONING | ROSEN, ELIZABETH H | 3697 | §101DP | Non-Final OA | — | Pending | Jun 24, 2025 |
| 19247915 | SYSTEMS AND METHODS FOR DIGITAL ACCOUNT ACTIVATION | PARK, YONG S | 3691 | §101Other | Non-Final OA | — | Pending | Jun 24, 2025 |
| 19245662 | INTEGRATING A WALLET CLIENT WITH FEDERATED DIRECTORY SERVICES | KRINGEN, MICHELLE THERESE | 3688 | §103DP | Non-Final OA | — | Pending | Jun 23, 2025 |
| 19241323 | DATA CONTROL TOWER | NARRAMORE, BLAKE I | — | DP | Non-Final OA | — | Pending | Jun 17, 2025 |
| 19234193 | SYSTEM AND METHOD FOR CARD CONTROL | OUSSIR, EL MEHDI | 3699 | §101§103Other | Final Rejection | — | Pending | Jun 10, 2025 |
| 19229353 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR VALIDATING ELECTRONIC DISTRIBUTION TRANSACTIONS AND REDUCING NON-COMPLIANT ELECTRONIC DISTRIBUTION TRANSACTIONS | KAZIMI, HANI M | — | §101 | Non-Final OA | — | Pending | Jun 05, 2025 |
| 19222588 | SYSTEMS AND METHODS FOR PERSONAL INFORMATION AND PREFERENCE STORAGE, PERMISSIONING, AND SHARING | FELTEN, DANIEL S | — | §103 | Non-Final OA | — | Pending | May 29, 2025 |
| 19214440 | ENHANCED ACCESSIBILITY USING WEARABLE COMPUTING DEVICES | PHAM, TOAN NGOC | — | DP | Non-Final OA | — | Pending | May 21, 2025 |
| 19210889 | TRANSACTION TRACKING UTILITY | LIU, I JUNG | — | §101§102 | Final Rejection | — | Pending | May 16, 2025 |
| 19208383 | SYSTEMS AND METHODS FOR CROSS-BORDER PAYMENTS VIA DISTRIBUTED LEDGER-BASED PAYMENT RAIL | RANKINS, WILLIAM E | — | §102§103§112 | Non-Final OA | — | Pending | May 14, 2025 |
| 19201543 | SYSTEMS AND METHODS FOR PROVIDING A MANAGEMENT PLATFORM FOR DIGITAL PLATFORM SERVICES | EBERSMAN, BRUCE I | — | §101§103 | Non-Final OA | — | Pending | May 07, 2025 |
| 19200477 | RETAILER CARD INSTANT APPROVAL AND PROVISIONING | ROSEN, ELIZABETH H | — | §101DP | Non-Final OA | — | Pending | May 06, 2025 |
| 19200543 | SCRUBBING ACCOUNT DATA ACCESSED VIA LINKS TO APPLICATIONS OR DEVICES | ZOUBAIR, NOURA | — | §103§112Other | Non-Final OA | — | Pending | May 06, 2025 |
| 19200511 | TOKENIZED STRUCTURED DATA SHARING | TRAN, JIMMY H | — | §103Other | Non-Final OA | — | Pending | May 06, 2025 |
| 19195110 | DATA PIPELINE VALIDATION | MASKULINSKI, MICHAEL C | — | §101 | Non-Final OA | — | Pending | Apr 30, 2025 |
| 19181745 | MULTIPLE ROUTING SYSTEMS | MATAR, AHMAD | — | §102§103§112 | Non-Final OA | — | Pending | Apr 17, 2025 |
| 19172544 | MULTIMODAL CHATBOT SYSTEM WITH AUTHENTICATION LEVELS FOR VARIOUS INSTITUTIONS AND USERS | LEWIS, LISA C | — | §103 | Non-Final OA | — | Pending | Apr 07, 2025 |
| 19098418 | LOAN REFINANCING AND/OR CONSOLIDATION TOOL | HUDSON, MARLA LAVETTE | — | §101§103Other | Non-Final OA | — | Pending | Apr 02, 2025 |
| 19090210 | SYSTEMS AND METHODS FOR STRESS DETECTION AND ACTION RESPONSE | KOLOSOWSKI-GAGER, KATHERINE | 3687 | §101§103 | Final Rejection | — | Pending | Mar 25, 2025 |
| 19089240 | FORMAT TRANSFORMATION OF NON-FUNGIBLE TOKEN (NFT) VIA TRANSFER BY CONTAINERIZED DATA STRUCTURES | FENSTERMACHER, JASON B | 3698 | §101§112 | Final Rejection | — | Pending | Mar 25, 2025 |
| 19070398 | SYSTEMS AND METHODS FOR DEVELOPING AN OPTIMIZED DEBT SERVICE STRATEGY UTILIZING PRODUCTS ACROSS MULTIPLE CATEGORIES | SCHWARZENBERG, PAUL | 3695 | §101 | Non-Final OA | 5d | Pending | Mar 04, 2025 |
| 19070295 | SYSTEMS AND METHODS FOR SENDING AND RECEIVING MATH-BASED CURRENCY VIA A FIAT CURRENCY ACCOUNT | TROTTER, SCOTT S | 3696 | §101§103 | Final Rejection | 28d | Pending | Mar 04, 2025 |
| 19056672 | SYSTEMS AND METHODS FOR PAYMENT USING LINKED ASSETS | NILFOROUSH, MOHAMMAD A | 3697 | §101§103 | Final Rejection | — | Pending | Feb 18, 2025 |
| 19049898 | SYSTEMS AND METHODS FOR AN INTERACTIVE COMMUNICATION PLATFORM | PRESTON, JOHN O | 3693 | §101§103 | Final Rejection | 41d | Pending | Feb 10, 2025 |
| 19046165 | INDIRECT MODELING USING A VIRTUAL ENVIRONMENT | WILLIAMS, ROSS A | 3715 | §101§102§103 | Non-Final OA | — | Pending | Feb 05, 2025 |
| 19046068 | ADVANCED FRAUD DETECTION SYSTEM | CHISM, STEVEN R | 3692 | §101§103 | Non-Final OA | 13d | Pending | Feb 05, 2025 |
IP Author helps IP teams respond to office actions faster with AI-generated responses, examiner analytics, and prosecution intelligence.
Start Free TrialWells Fargo Bank, N.A. has 225 pending office actions as of October 2026, spread across 64 art units and 174 examiners.
Toan D. Bui has the most, with 7 of Wells Fargo Bank, N.A.'s pending office actions.
Mostly Transportation, E-Commerce & Mechanical Systems (USPTO Tech Center 3600), based on where its pending office actions are examined.