Prosecution Insights
Last updated: May 29, 2026

Wells Fargo Bank N A

166 pending office actions • 67 art units • 139 examiners • 0 of 166 (0%) have an AI response strategy ready • 351 patents granted in the last 365 days

Portfolio Summary

166
Total Pending OAs
98
Non-Final OAs
49
Final Rejections
19
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 163 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

77
Overdue
7
Due this week
39
Due this month
31
Due in next 60 days
9
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. 163 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (77)Due ≤ 7 days (7)Due ≤ 30 days (39)Due ≤ 60 days (31)Due later (9)

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.

33
Hard (20%)
119
Medium (72%)
5
Easy (3%)
9
Unknown (5%)

Rejection Statute Mix

BucketCases
§101 only33 (20%)
§103 only105 (63%)
§102 only13 (8%)
§112 only5 (3%)
Double-patenting + other1 (1%)
No statute on record9 (5%)

Industry Mix

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

0
Life Sciences
0% of docket
46
Information Tech
28% of docket
7
Communications
4% of docket
2
Semiconductors
1% of docket
111
Mechanical / Eng
67% 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.

1,660 h
Manual time on pending OAs
332 h
Time saved (low, 20%)
581 h
Time saved (mid, 35%)
14.5 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
KIM, STEVEN S 5 38.0% +39.5%
YONO, RAVEN E 3 39.5% +33.2%
JAMES, GREGORY MARK 3 19.2% +13.2%
BUI, TOAN D. 3 59.4% +44.1%
VANDERHORST, MARIA VICTORIA 2 48.5% +37.1%
CASTILHO, EDUARDO D 2 47.4% +20.7%
KANERVO, VIRPI H 2 47.6% +47.8%
KUCAB, JAMIE R 2 67.2% +36.9%
GANGER, LAUREN ZANNAH 2 81.5% +12.0%
RAZA, ZEHRA 2 44.5% +49.4%

Quick Wins (2)

Cases in front of an examiner with an allow rate of 80%+ where the difficulty is Easy or Medium. The top 2 ordered by deadline are shown.

App #TitleExaminerDue in
18734488 SYSTEMS AND METHODS FOR PROVIDING CURATED DATASETS ACCORDING TO DATA FROM DISPARATE DATA SOURCES GANGER, LAUREN ZANNAH 22d
18916424 SYSTEMS AND METHODS FOR PROVIDING CURATED DATASETS ACCORDING TO DATA FROM DISPARATE DATA SOURCES GANGER, LAUREN ZANNAH 34d

Hard Cases (35)

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
18545484 SYSTEMS AND METHODS FOR PROVIDING A DYNAMIC DEVICE TRUST DASHBOARD KIM, STEVEN S 93d overdue
18336752 EXPLAINING ADVERSE ACTIONS IN CREDIT DECISIONS USING SHAPLEY DECOMPOSITION SHAH, BHAVIN D 81d overdue
18633227 TOOLS FOR LARGE LANGUAGE MODEL AGENTS ALLADIN, AMBREEN A 66d overdue
18395920 SYSTEMS AND METHODS FOR CUSTOMIZING PERSONALIZATION SETTINGS FOR A USER SYROWIK, MATHEW RICHARD 45d overdue
18238362 SYSTEMS AND METHODS FOR ESTABLISHING AND MAINTAINING A GROUP ACCOUNT YONO, RAVEN E 43d overdue
18410684 ANALYTICS FOR DYNAMIC INDUSTRY CASH FLOW MODELING HUDSON, MARLA LAVETTE 28d overdue
18543398 SYSTEM AND METHOD FOR SENSOR-BASED IMPROVED BUILDING USAGE ELCHANTI, ZEINA 18d overdue
18674620 SYSTEMS AND METHODS FOR PREVALIDATING TRANSACTIONS BRIDGES, CHRISTOPHER 16d overdue

Interview Candidates (26)

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
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
18762446 SYSTEMS AND METHODS FOR REMOTE ATM ACCESS BUI, TOAN D. 46d overdue
18238362 SYSTEMS AND METHODS FOR ESTABLISHING AND MAINTAINING A GROUP ACCOUNT YONO, RAVEN E 43d overdue
19054133 SERVER-TO-DEVICE SECURE DATA EXCHANGE AUTHORIZED SESSION MANAGEMENT KIM, STEVEN S 29d overdue
18768898 CREDENTIAL WITH FLEXIBLE FUNDING KANERVO, VIRPI H 23d overdue
18678642 SYSTEMS AND METHODS FOR AN AUTHORIZED IDENTIFICATION SYSTEM KIM, STEVEN S 16d overdue
18648230 SYSTEMS AND METHODS FOR STAGING AND CASTING A TRANSACTION BETWEEN DEVICES JAMES, GREGORY MARK 15d overdue

Top Art Units

Art UnitApps
3693 13
3694 12
3698 9
3692 9
3695 8
3691 8
3699 6
3696 6
3697 6
3625 5

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19316316 DYNAMIC ALLOCATION AND DISPENSING OF CASH MAI, THIEN T 2876 §103 Non-Final OA 42d Pending Sep 02, 2025
19317056 SYSTEM AND METHOD FOR CARD CONTROL OUSSIR, EL MEHDI 3699 Other Non-Final OA 29d Pending Sep 02, 2025
19308817 DIGITAL ASSET VAULT KHATRI, NILESH B 3699 Other Non-Final OA 57d Pending Aug 25, 2025
19274252 LOCALIZATION CONTROL FOR NON-FUNGIBLE TOKENS (NFTS) VIA TRANSFER BY CONTAINERIZED DATA STRUCTURES LOZA, JANICE JOMARIE 3698 §103 Non-Final OA 17d overdue Pending Jul 18, 2025
19187798 TRANSACTION GRAPH GENERATOR FRAMEWORK SYED, FARHAN M 2161 §102 Non-Final OA 42d Pending Apr 23, 2025
19185864 SERVER-TO-DEVICE SECURE DATA EXCHANGE TRANSACTIONS KIM, STEVEN S 3698 Other Non-Final OA 33d Pending Apr 22, 2025
19173262 SYSTEMS AND METHOD FOR INFERRED GRAPH DATA LINK ATTESTATION VY, HUNG T 2163 §101 Non-Final OA 15d Pending Apr 08, 2025
19083582 ANALYSIS OF DEBIT CARD COMPARED TO CREDIT CARD USE VANDERHORST, MARIA VICTORIA 3621 §103 Non-Final OA 55d Pending Mar 19, 2025
19070398 SYSTEMS AND METHODS FOR DEVELOPING AN OPTIMIZED DEBT SERVICE STRATEGY UTILIZING PRODUCTS ACROSS MULTIPLE CATEGORIES SCHWARZENBERG, PAUL 3695 §102 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 §103 Non-Final OA 28d Pending Mar 04, 2025
19055366 MULTI-MODAL PARAMETERIZATION OF DIGITAL TOKENS INVOLVING MULTIPLE ENTITIES IN DEFINED NETWORKS MADAMBA, CLIFFORD B 3692 §101 Non-Final OA 13d Pending Feb 17, 2025
19054133 SERVER-TO-DEVICE SECURE DATA EXCHANGE AUTHORIZED SESSION MANAGEMENT KIM, STEVEN S 3698 Other Non-Final OA 29d overdue Pending Feb 14, 2025
19049898 SYSTEMS AND METHODS FOR AN INTERACTIVE COMMUNICATION PLATFORM PRESTON, JOHN O 3693 §103 Non-Final OA 41d Pending Feb 10, 2025
19046121 ARTIFICIAL INTELLIGENCE DRIVEN DOMAIN-SPECIFIC VALIDATION SYSTEM FILIPCZYK, MARCIN R 2153 §102 Non-Final OA 35d overdue Pending Feb 05, 2025
19046068 ADVANCED FRAUD DETECTION SYSTEM CHISM, STEVEN R 3692 §103 Non-Final OA 13d Pending Feb 05, 2025
19028570 SYSTEMS AND METHODS FOR SMART CARD MOBILE DEVICE AUTHENTICATION CASTILHO, EDUARDO D 3698 §103 Non-Final OA 9d Pending Jan 17, 2025
18974447 SYSTEMS AND METHODS FOR REWARDS INTEGRATION AS A FUNDING ACCOUNT SITTNER, MATTHEW T 3629 §103 Non-Final OA 30d overdue Pending Dec 09, 2024
18961967 SYSTEMS AND METHODS FOR IMPROVED OPERATIONS WITH GENERATIVE ARTIFICIAL INTELLIGENCE HOANG, HAU HAI 2167 §102 Non-Final OA 44d overdue Pending Nov 27, 2024
18960216 SYSTEM AND METHOD FOR MOBILE CHECK DEPOSIT WITH RESTRICTED ENDORSEMENT KANERVO, VIRPI H 3691 §102 Non-Final OA 29d Pending Nov 26, 2024
18956316 ENCAPSULATION OF PAYMENT INFORMATION KUCAB, JAMIE R 3699 §103 Final Rejection 8d overdue Pending Nov 22, 2024
18940562 SIMPLIFICATION AND DUPLICATION PREVENTION FOR UNIFIED DATA CATALOG ALAM, HOSAIN T 2132 §103 Final Rejection 47d Pending Nov 07, 2024
18916424 SYSTEMS AND METHODS FOR PROVIDING CURATED DATASETS ACCORDING TO DATA FROM DISPARATE DATA SOURCES GANGER, LAUREN ZANNAH 2156 §102 Non-Final OA 34d Pending Oct 15, 2024
18910913 BLOCKCHAIN FACILITATION OF ASSET TRANSFERS BETWEEN COMPUTING SYSTEMS RAZA, ZEHRA 3697 §103 Non-Final OA 11d overdue Pending Oct 09, 2024
18898382 SYSTEM AND METHOD FOR PROVIDING VIRTUAL COACHING FELTEN, DANIEL S 3692 §103 Final Rejection 5d Pending Sep 26, 2024
18898413 SYSTEMS AND METHODS FOR REAL-TIME BILLER POSTING SERVICES YONO, RAVEN E 3694 §103 Final Rejection 12d Pending Sep 26, 2024
18891909 TRANSACTION INSTRUMENT WITH FEATURES FOR DESTRUCTION AND DISPOSAL WALSH, DANIEL I 2876 §103 Non-Final OA 5d overdue Pending Sep 20, 2024
18828357 PASSIVE ENCRYPTION ROTATION KEYS SU, SARAH 2431 §103 Non-Final OA 5d overdue Pending Sep 09, 2024
18817032 SYSTEM AND METHOD FOR GOVERNANCE AND MANAGEMENT OF ENTERPRISE SOFTWARE JOO, JOSHUA 2445 §103 Non-Final OA 14d Pending Aug 27, 2024
18813239 MATH BASED CURRENCY POINT OF SALE SYSTEMS AND METHODS RAK, TAYLOR SIMON DUANE 3697 §112 Non-Final OA 8d overdue Pending Aug 23, 2024
18813352 SYSTEMS AND METHODS FOR MULTIPLE OFFER SOURCE AGGREGATOR VAN BRAMER, JOHN W 3622 §112 Final Rejection 1d overdue Pending Aug 23, 2024
18808513 MULTIFACTOR IDENTITY AUTHENTICATION VIA CUMULATIVE DYNAMIC CONTEXTUAL IDENTITY TRAN, VU V 2491 Other Non-Final OA 7d Pending Aug 19, 2024
18808978 AI-ASSISTED SYSTEM FOR USER TRAINING AND FLOW QUERY SWARTZ, STEPHEN S 3625 §103 Final Rejection 41d Pending Aug 19, 2024
18808552 CONTROL TOWER RESTRICTIONS ON THIRD PARTY PLATFORMS KUCAB, JAMIE R 3699 §103 Final Rejection 70d Pending Aug 19, 2024
18809082 OVERSPENDING ALERT SYSTEM MOORE, REVA R 3627 DPOther Final Rejection 70d Pending Aug 19, 2024
18806059 ATM DAMAGE ASSESSMENT AFTER ATTACK WASAFF, JOHN S. 3629 §101 Non-Final OA 21d Pending Aug 15, 2024
18806039 AUTOMATED CONFIGURATION OF SOFTWARE APPLICATIONS CHRISTENSEN, SCOTT B 2444 §103 Non-Final OA 16d overdue Pending Aug 15, 2024
18805138 PERFORMING RISK ASSESSMENTS BASED ON INFLATION MODELING KWONG, CHO YIU 3693 §101 Final Rejection 28d Pending Aug 14, 2024
18794714 SYSTEMS AND METHODS FOR QUANTUM ENTANGLED RANDOM KEY EXCHANGE SARKER, SANCHIT K 2495 §103 Non-Final OA 36d overdue Pending Aug 05, 2024
18793089 SMART DIGITAL INTERACTIONS WITH AUGMENTED REALITY AND GENERATIVE ARTIFICIAL INTELLIGENCE SUO, JOSHUA JUNGWOOK 2616 §103 Non-Final OA 5d Pending Aug 02, 2024
18789277 SYSTEM AND METHOD FOR A CLIENT APPLICATION POINVIL, FRANTZY 3693 §103 Non-Final OA 5d overdue Pending Jul 30, 2024
18787797 CUSTOMER VERIFICATION AND ACCOUNT CREATION SYSTEMS AND METHODS JAMES, GREGORY MARK 3692 §101 Final Rejection 33d Pending Jul 29, 2024
18776355 SELECTING AUTOMATED TELLER MACHINE DISTRIBUTION USING ARTIFICIAL INTELLIGENCE AND PREDICTIVE ANALYTICS BROWN, SARA GRACE 3625 §103 Non-Final OA 28d Pending Jul 18, 2024
18777037 SYSTEMS AND METHODS FOR VERIFYING A DELEGATE GARCIA-GUERRA, DARLENE 3625 §103 Final Rejection 31d overdue Pending Jul 18, 2024
18774777 SYSTEM AND METHOD FOR OPERATING A MOBILE WALLET INCLUDING RECEIPT TRACKING POINVIL, FRANTZY 3693 §101 Non-Final OA 5d overdue Pending Jul 16, 2024
18768898 CREDENTIAL WITH FLEXIBLE FUNDING KANERVO, VIRPI H 3691 §103 Non-Final OA 23d overdue Pending Jul 10, 2024
18762528 MOBILE DEVICE TRANSACTION SYSTEMS AND METHODS CASTILHO, EDUARDO D 3698 §103 Non-Final OA 69d Pending Jul 02, 2024
18762355 PAYMENT SERVICES VIA APPLICATION PROGRAMMING INTERFACE CHANG, EDWARD 3695 §101 Non-Final OA Pending Jul 02, 2024
18762446 SYSTEMS AND METHODS FOR REMOTE ATM ACCESS BUI, TOAN D. 3693 §103 Final Rejection 46d overdue Pending Jul 02, 2024
18758253 SYSTEMS AND METHODS FOR PROVIDING AUTOMATIC ISSUE RESOLUTION MUTSCHLER, JOSEPH M 3627 §103 Non-Final OA 17d overdue Pending Jun 28, 2024
18757006 SYSTEMS AND METHODS FOR ENHANCED PEER-TO-PEER ASSET TRANSFERS WOLDEMARIAM, NEGA 2407 §103 Non-Final OA 22d Pending Jun 27, 2024
18756854 DETECTING SECURITY THREATS FROM LOGON DATA ABYANEH, ALI S 2437 §103 Final Rejection Pending Jun 27, 2024
18756371 MESH NETWORK COMMUNICATIONS NOAMAN, BASSAM A 2497 §103 Non-Final OA 6d Pending Jun 27, 2024
18750914 SENDING SECURE PROXY ELEMENTS WITH MOBILE WALLETS CUNNINGHAM II, GREGORY S 3694 §103 Non-Final OA 8d overdue Pending Jun 21, 2024
18749141 SYSTEMS AND METHODS FOR PREDICTING A CLUSTER OF A SIDE OF ORDER BOOK MARKET LIQUIDITY PROIOS, GEORGE N 3694 §112 Non-Final OA 77d overdue Pending Jun 20, 2024
18742276 EXTENSION OF SECURE INFORMATION WITHIN DATA STORE NIGH, JAMES D 3699 §103 Non-Final OA 28d Pending Jun 13, 2024
18742082 SYSTEMS AND METHODS FOR AUTOMATIC MOBILE DRIVER'S LICENSE-BASED TRANSACTION MANAGEMENT MILLER, JAMES H 3694 §101 Final Rejection 26d Pending Jun 13, 2024
18742522 PROACTIVE IDENTIFICATION OF GROUP MEMBERSHIP FOR DISCOUNTED TRANSACTIONS VANDERHORST, MARIA VICTORIA 3621 §101 Final Rejection 19d Pending Jun 13, 2024
18738413 IDENTIFICATION-BASED PAYMENT WONG, ERIC TAK WAI 3693 §103 Final Rejection 13d Pending Jun 10, 2024
18738411 SYSTEMS AND APPLICATIONS FOR SEMI-ANONYMOUS COMMUNICATION TAGGING KHAN, MOEEN 2436 §103 Final Rejection 4d overdue Pending Jun 10, 2024
18736938 COMPUTING SYSTEMS AND METHODS FOR MULTI-PARTY TRANSACTIONS CHANG, EDWARD 3696 Other Non-Final OA 15d overdue Pending Jun 07, 2024
18734451 CREATING TRIP ROUTES FOR AUTONOMOUS VEHICLES SMITH, ISAAC G 3662 §103 Non-Final OA 14d Pending Jun 05, 2024
18734488 SYSTEMS AND METHODS FOR PROVIDING CURATED DATASETS ACCORDING TO DATA FROM DISPARATE DATA SOURCES GANGER, LAUREN ZANNAH 2156 §103 Non-Final OA 22d Pending Jun 05, 2024
18733626 ENHANCING BUSINESS INTERACTIONS USING A SMART WALLET OSMAN BILAL AHMED, AFAF 3622 §103 Non-Final OA 33d Pending Jun 04, 2024
18678642 SYSTEMS AND METHODS FOR AN AUTHORIZED IDENTIFICATION SYSTEM KIM, STEVEN S 3698 Other Non-Final OA 16d overdue Pending May 30, 2024
18678974 DATA INGESTION MANAGEMENT VU, VIET D 2455 §103 Final Rejection 34d Pending May 30, 2024
18674434 ACCOUNT OPEN INTERFACES HAMERSKI, BOLKO M 3694 §103 Non-Final OA 4d overdue Pending May 24, 2024
18674620 SYSTEMS AND METHODS FOR PREVALIDATING TRANSACTIONS BRIDGES, CHRISTOPHER 3693 §101 Non-Final OA 16d overdue Pending May 24, 2024
18670974 NATURAL LANGUAGE PROCESSING OVER A DOCUMENT REPOSITORY VOGT, JACOB BUI 2653 §103 Final Rejection 75d Pending May 22, 2024
18671523 SYSTEMS AND METHODS FOR SIMULATING FUTURE ASSET PERFORMANCE BASED ON CONSUMABLE MEDIA CONTENT POLLOCK, GREGORY A 3691 §103 Non-Final OA 28d overdue Pending May 22, 2024
18670155 SYSTEM FOR COMPLIANCE ANALYSIS HUSSEIN, ALAA WADIE 3626 §103 Final Rejection 33d Pending May 21, 2024
18669150 SYSTEMS AND METHODS FOR PRIVATE LOAN CREATION EBERSMAN, BRUCE I 3693 §102 Final Rejection 5d Pending May 20, 2024
18669119 SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA LOCKBOXES BUI, TOAN D. 3693 Other Non-Final OA 91d overdue Pending May 20, 2024
18655126 SYSTEMS AND METHODS FOR FRAUD CONTROLS FOR AUTOMATED TRANSACTION MACHINES BUNKER, WILLIAM B 3691 §103 Non-Final OA 35d overdue Pending May 03, 2024
18652674 PROTECTING TOKENIZED STRUCTURES USING A PROTECTION ARCHITECTURE WORKU, SARON MATTHEWOS 2408 §103 Final Rejection 34d Pending May 01, 2024
18652524 SYSTEMS AND METHODS FOR A VOICE-KEY DATABASE CRESPO FEBLES, HECTOR J 2657 §103 Non-Final OA 4d overdue Pending May 01, 2024
18651437 PROACTIVE ATM MANAGEMENT JAMES, GREGORY MARK 3692 §103 Non-Final OA 33d Pending Apr 30, 2024
18648230 SYSTEMS AND METHODS FOR STAGING AND CASTING A TRANSACTION BETWEEN DEVICES JAMES, GREGORY MARK 3692 §103 Non-Final OA 15d overdue Pending Apr 26, 2024
18643784 BIDIRECTIONAL PERSONAL FINANCIAL STORY CREATOR SHAH, ANTIM G 2693 §103 Final Rejection 34d Pending Apr 23, 2024
18644024 SYSTEMS AND METHODS FOR NATIVE, NON-NATIVE, AND HYBRID REGISTRATION AND USE OF TAGS FOR REAL-TIME SERVICES RANKINS, WILLIAM E 3694 §101 Non-Final OA 34d Pending Apr 23, 2024
18643468 SELF-CONTAINED ENCRYPTED DATA AND DECRYPTION APPLICATION FOR THIRD PARTY DATA STORAGE AND DATA DISSEMINATION PARK, SANGSEOK 2499 §103 Final Rejection 31d overdue Pending Apr 23, 2024
18643854 SYSTEMS AND METHODS FOR MITIGATING DONATION FRAUD PATEL, DIVESH 3696 §103 Non-Final OA 31d overdue Pending Apr 23, 2024
18642148 USER INTERFACE FOR INTERACTING WITH HUMAN USERS AMIN, JWALANT B 2612 §103 Non-Final OA 29d Pending Apr 22, 2024
18637163 SYSTEMS AND METHODS FOR PROACTIVELY PROVIDING EMOTIONALLY INTELLIGENT INTERACTION GUIDANCE USING A MACHINE LEARNING FRAMEWORK BAHL, SANGEETA 3626 §103 Non-Final OA 14d Pending Apr 16, 2024
18637249 EVENT NOTIFIER HUANG, JAY 3619 §103 Non-Final OA 56d Pending Apr 16, 2024
18633227 TOOLS FOR LARGE LANGUAGE MODEL AGENTS ALLADIN, AMBREEN A 3691 §101 Final Rejection 66d overdue Pending Apr 11, 2024
18617904 TECHNIQUES FOR MULTI-PERSPECTIVE EVALUATION OF LOGIN DATA HO, DAO Q 2432 §103 Final Rejection 10d overdue Pending Mar 27, 2024
18618480 ADAPTIVE MULTI-LAYER ELECTRONIC CONTENT MANAGEMENT BELOUSOV, ANDREY 2172 §102 Non-Final OA 26d overdue Pending Mar 27, 2024
18610875 CONFIRMING CONDITIONAL BEQUEST RUHL, DENNIS WILLIAM 3626 §103 Non-Final OA 11d overdue Pending Mar 20, 2024
18611414 SYSTEMS AND METHODS FOR TIERED-BASED INFORMATION PROVISION DUCK, BRANDON M 3693 §101 Non-Final OA 77d Pending Mar 20, 2024
18610865 GAMIFICATION OF BEQUESTS ROSEN, ELIZABETH H 3693 §101 Non-Final OA 40d Pending Mar 20, 2024
18608331 UNIVERSAL CASSETTE FOR RECIRCULATION OF BILLS IN MULTIPLE SYSTEMS BUI, TOAN D. 3693 §103 Non-Final OA 4d overdue Pending Mar 18, 2024
18607184 DATA CAPTURE AND LOAN PAYOFF THROUGH SMARTPHONE GREGG, MARY M 3695 §103 Non-Final OA 4d overdue Pending Mar 15, 2024
18605965 MIRROR INTERFACE FOR ACCESSIBLE USERS SHIH, HAOSHIAN 2179 §103 Non-Final OA 25d overdue Pending Mar 15, 2024
18603908 SYSTEMS AND METHODS FOR LOCATION BASED TRANSACTION DISPLAY AND EXECUTION ANDERSON, SCOTT C 3694 §103 Non-Final OA 9d Pending Mar 13, 2024
18602830 MANAGEMENT OF SOFTWARE DEPENDENCIES KAMRUZZAMAN, MD 2191 §103 Non-Final OA 23d Pending Mar 12, 2024
18597279 DYNAMIC TOPIC DEFINITION GENERATOR NEWAY, SAMUEL G 2657 §101 Final Rejection 12d Pending Mar 06, 2024
18591651 EMISSIONS MANAGEMENT FOR UNAVAILABLE SERVICES HUSSEIN, ALAA WADIE 3626 §101 Final Rejection 16d overdue Pending Feb 29, 2024
18441923 SYSTEMS AND METHODS FOR SECURING TRANSACTIONS USING A GENERATIVE ARTIFICIAL INTELLIGENCE MODEL SAX, TIMOTHY PAUL 3698 §103 Non-Final OA 73d overdue Pending Feb 14, 2024
18428743 TRUSTED VALIDATION AGENT PLATFORM MAGUIRE, LINDSAY M 3619 §103 Non-Final OA 12d Pending Jan 31, 2024
18428764 DEVICE-SPECIFIC PASSKEY COMMUNICATION SYSTEMS AND TECHNIQUES ZHANG, DUAN 3699 §103 Non-Final OA 15d Pending Jan 31, 2024
18424548 SYSTEMS AND METHODS FOR DEPOSIT TRANSFER CUSTOMIZATION RANKINS, WILLIAM E 3694 §101 Non-Final OA 22d Pending Jan 26, 2024
18423688 SYSTEMS AND METHODS FOR BORROWED BANKING ACCESS YONO, RAVEN E 3694 §103 Non-Final OA 2d overdue Pending Jan 26, 2024
18422645 WORKFORCE KNOWLEDGE RISK MITIGATION GARCIA-GUERRA, DARLENE 3625 §103 Final Rejection 119d overdue Pending Jan 25, 2024
18419755 MERCHANT AND CUSTOMER AUTHENTICATION INTERFACE WORJLOH, JALATEE 3697 §103 Non-Final OA 2d overdue Pending Jan 23, 2024
18417930 ARTIFICIAL INTELLIGENCE DRIVEN BUSINESS REPORTING WALLICK, STEPHANIE SHOSHANA 3628 §101 Non-Final OA 16d overdue Pending Jan 19, 2024
18410684 ANALYTICS FOR DYNAMIC INDUSTRY CASH FLOW MODELING HUDSON, MARLA LAVETTE 3694 §101 Non-Final OA 28d overdue Pending Jan 11, 2024
18404191 SYSTEMS AND METHODS FOR CYBERTHREAT-RISK EDUCATION AND AWARENESS KENNEDY, LESA M 2458 §103 Non-Final OA 66d overdue Pending Jan 04, 2024
18403679 INTER-MODEL INTERFACE TO REFINE REMOTE POOL AND USER INTERFACES THEREFOR PADUA, NICO LAUREN 3626 §102 Non-Final OA 83d Pending Jan 03, 2024
18402988 Document Review and Execution on Mobile Devices MONAGHAN, MICHAEL J 3629 §103 Final Rejection 33d Pending Jan 03, 2024
18401687 SYSTEMS AND METHODS FOR REAL TIME CREDIT EXTENSION AND BILL PAY CONFIGURATION HAMILTON, SARA CHANDLER 3695 §101 Non-Final OA 55d Pending Jan 01, 2024
18395920 SYSTEMS AND METHODS FOR CUSTOMIZING PERSONALIZATION SETTINGS FOR A USER SYROWIK, MATHEW RICHARD 3621 §101 Final Rejection 45d overdue Pending Dec 26, 2023
18394241 SCRIPTING TRANSFORM LOADER NGUYEN, TRONG H 2436 §103 Non-Final OA 2d overdue Pending Dec 22, 2023
18392951 COMPUTING SYSTEM TO PROACTIVELY GENERATE REFINANCE OFFERS SHARON, AYAL I 3695 §103 Non-Final OA 14d Pending Dec 21, 2023
18545484 SYSTEMS AND METHODS FOR PROVIDING A DYNAMIC DEVICE TRUST DASHBOARD KIM, STEVEN S 3698 §101 Non-Final OA 93d overdue Pending Dec 19, 2023
18545579 SYSTEM AND METHOD FOR CUSTOMIZABLE LARGE DATA LOADING VU, TUAN A 2193 §112 Non-Final OA 46d overdue Pending Dec 19, 2023
18543398 SYSTEM AND METHOD FOR SENSOR-BASED IMPROVED BUILDING USAGE ELCHANTI, ZEINA 3628 §101 Non-Final OA 18d overdue Pending Dec 18, 2023
18540401 UNIVERSAL INTEGRATED MULTI-SERVICE ENTITY MANAGEMENT SYSTEM FOR STREAMLINED OPERATIONS BATAILLE, FRANTZ 2681 §103 Non-Final OA 4d overdue Pending Dec 14, 2023
18539667 CLOUD LAUNCH APPLICATION SECURITY PARAMETERS (CLASP) ZARRINEH, SHAHRIAR 2496 §103 Final Rejection 42d Pending Dec 14, 2023
18535063 EXTENSIBLE KEY MANAGEMENT (XKM) KHAN, MOEEN 2436 §103 Non-Final OA 28d overdue Pending Dec 11, 2023
18529631 SYSTEMS AND METHODS FOR ASSET ESCHEATMENT PREVENTION KANG, IRENE S 3696 §102 Non-Final OA 29d Pending Dec 05, 2023
18521626 SYSTEMS AND METHODS FOR AUTOMATIC IDENTIFICATION OF VETERAN STATUS BALLOU, MAAME BOAKYEWAA 3629 §103 Non-Final OA 23d Pending Nov 28, 2023
18516037 MOBILE WALLETS AND COMPANION SMART CARDS RACIC, MILENA 3627 §103 Final Rejection 12d Pending Nov 21, 2023
18510898 TOKENIZED DEPOSIT WITH CHOICE FOR DEPOSITOR JIMENEZ, JUSTIN ABEL 3697 §103 Non-Final OA 3d overdue Pending Nov 16, 2023
18506763 SYSTEMS AND METHODS FOR PERSONALIZING A MERCHANT IDENTIFIER LOHARIKAR, ANAND R 3689 §102 Non-Final OA 42d overdue Pending Nov 10, 2023
18503488 DATABASE ARCHITECTURE SUPPORTING ACCESS RIGHTS ACROSS DISPARATE USER PROFILE TYPES ZHANG, SHIRLEY X 2447 §103 Non-Final OA 23d overdue Pending Nov 07, 2023
18494038 SYSTEMS AND METHODS OF METADATA-BASED TASK SHARING ACCESS AND TRACKING GOLDBERG, IVAN R 3619 §103 Final Rejection 125d overdue Pending Oct 25, 2023
18490444 FRICTION METRIC FOR RESOLUTION OF CUSTOMER ISSUES DIVELBISS, MATTHEW H 3624 §101 Final Rejection 8d Pending Oct 19, 2023
18490402 SYSTEMS AND METHODS FOR AUTOMATICALLY DETECTING A DEPLOYMENT EVENT KASSIM, HAFIZ A 3623 §101 Final Rejection 3d overdue Pending Oct 19, 2023
18381283 SYSTEMS AND METHODS FOR SIMULATING ASSET DISTRIBUTION HILMANTEL, ADAM J 3691 §103 Non-Final OA 27d Pending Oct 18, 2023
18482692 SYSTEMS AND METHODS FOR ESTABLISHING SHARED TRUST BETWEEN A PRIMARY AGENT USER AND RECIPIENT CLIENT USER HUANG, CHENG-FENG 2497 §103 Final Rejection 11d overdue Pending Oct 06, 2023
18481024 DOUBLE BLIND SECRET MACILWINEN, JOHN MOORE JAIN 2454 §103 Final Rejection 75d Pending Oct 04, 2023
18375638 SYSTEMS AND METHODS FOR VIRTUAL AND PHYSICAL TRACKING OF ASSETS KIM, STEVEN S 3698 §112 Non-Final OA 26d Pending Oct 02, 2023
18478337 SYSTEMS AND METHODS FOR A MACHINE LEARNING ADAPTABLE USER INTERFACE TRAN, TAM T 2174 §103 Final Rejection 41d Pending Sep 29, 2023
18369329 SYSTEMS AND METHODS FOR BIOMETRIC ELECTRONIC SIGNATURE AGREEMENT AND INTENTION DOAN, TRANG T 2431 §103 Final Rejection 92d overdue Pending Sep 18, 2023
18469296 SYSTEMS AND METHODS FOR IDENTIFYING GAPS IN INSURANCE COVERAGE SHARVIN, DAVID P 3692 §103 Final Rejection 9d overdue Pending Sep 18, 2023
18369077 CRYPTANALYSIS ANALYTICAL MONITORING AND OBSERVATION (CAMO) DOAN, TRANG T 2431 §103 Non-Final OA 12d Pending Sep 15, 2023
18240114 SYSTEMS AND METHODS FOR ACCOUNT-LINKED PIGGY BANK PATEL, DIVESH 3696 §103 Non-Final OA 85d overdue Pending Aug 30, 2023
18239908 SYSTEMS AND METHODS FOR SHARED ACCOUNT TRANSACTIONS ABDULLAEV, AMANULLA 3692 §103 Non-Final OA 4d overdue Pending Aug 30, 2023
18456847 SYSTEMS AND METHODS FOR GENERATING USER EVENT PREDICTIONS AMIN, MUSTAFA A 2194 §103 Non-Final OA 38d overdue Pending Aug 28, 2023
18238362 SYSTEMS AND METHODS FOR ESTABLISHING AND MAINTAINING A GROUP ACCOUNT YONO, RAVEN E 3694 §101 Non-Final OA 43d overdue Pending Aug 25, 2023
18235764 SYSTEMS AND METHODS FOR SHARED ACCOUNTS DUCK, BRANDON M 3693 §101 Final Rejection 1d overdue Pending Aug 18, 2023
18234257 QUANTUM COMPUTING-BASED REVERSIBLE POLYNOMIAL SERIES FOR CRYPTOGRAPHIC OPERATIONS TRUVAN, LEYNNA THANH 2435 §103 Non-Final OA 75d Pending Aug 15, 2023
18366483 TRANSACTIONS WITH SERVICE RAIL CONVERSION LIU, CHIA-YI 3692 §103 Non-Final OA 51d overdue Pending Aug 07, 2023
18229731 PUBLIC ITEMIZATION OF PKI NODES (PIPKIN) JOHNSON, CARLTON 2436 §103 Non-Final OA 8d Pending Aug 03, 2023
18356299 CLOUD COMPUTING CYBERSECURITY MATRIX WITH OVERLAID MATURITY MODEL KORSAK, OLEG 2492 §102 Non-Final OA 16d Pending Jul 21, 2023
18223499 SYSTEMS AND METHODS FOR PEER-TO-PEER FUNDS REQUESTS SMITH, SLADE E 3696 §102 Final Rejection 50d Pending Jul 18, 2023
18353572 CALIBRATION USING DIFFERENTIAL MACHINE LEARNING NILSSON, ERIC 2151 §103 Non-Final OA 15d overdue Pending Jul 17, 2023
18350453 CRYPTOGRAPHICALLY SECURE PHYSICAL CURRENCY RAZA, ZEHRA 3697 §103 Final Rejection 42d Pending Jul 11, 2023
18336752 EXPLAINING ADVERSE ACTIONS IN CREDIT DECISIONS USING SHAPLEY DECOMPOSITION SHAH, BHAVIN D 3694 §101 Non-Final OA 81d overdue Pending Jun 16, 2023
18210502 SYSTEMS AND METHODS FOR GENERATING A GUI FOR RESCHEDULE OF PAYMENTS PUTTAIAH, ASHA 3691 §101 Non-Final OA 34d Pending Jun 15, 2023
18334255 COMPOSITE EVENT SIGNATURE ANALYSIS SHERR, MARIA CRISTI OWEN 3697 §103 Final Rejection 33d Pending Jun 13, 2023
18329749 MICRO FRONT-END COMPOSITION AND POLYMORPHISM NGUYEN, MONGBAO 2192 §103 Non-Final OA 55d Pending Jun 06, 2023
18198125 TOKENIZED ASSET EXCHANGE SUBRAMANIAN, NARAYANSWAMY 3691 §101 Final Rejection 34d Pending May 16, 2023
18315083 USER INTERFACES FOR NAVIGATION OF KNOWLEDGE GRAPH SOURCE DATA CHOI, DAVID E 2148 §103 Non-Final OA 7d Pending May 10, 2023
18314652 SYSTEMS AND METHODS FOR FACILITATING FINANCIAL TRANSACTIONS VIA A REMOVABLE CHIPSET JUNG, HENRY H 3695 §103 Final Rejection Pending May 09, 2023
18313711 SYSTEMS AND METHODS FOR SECURELY PRESENTING CONTEXT-AWARE USER NOTIFICATIONS SALEHI, HELAI 2433 §103 Non-Final OA 19d overdue Pending May 08, 2023
18142552 SYSTEMS AND METHODS FOR CONTACTLESS CARD ACTIVATION JUNG, HENRY H 3695 Other Non-Final OA 9d overdue Pending May 02, 2023
18311094 SYSTEMS AND METHODS FOR TWO-STAGE APPLICATION TESTING BERMAN, STEPHEN DAVID 2192 §103 Non-Final OA 41d Pending May 02, 2023
18142530 SYSTEMS AND METHODS FOR EXPENSE ANALYSIS BASED GRAPHICAL USER INTERFACE ALERTS YU, ARIEL J 3627 §103 Non-Final OA 29d Pending May 02, 2023
18193367 SYSTEMS AND METHODS FOR INCORPORATING SUPPLEMENTAL SHAPE INFORMATION IN A LINEAR DISCRIMINANT ANALYSIS CADY, MATTHEW ALAN 2145 §103 Non-Final OA 8d overdue Pending Mar 30, 2023
18190745 MACHINE LEARNING TECHNIQUES FOR PREDICTIVE MULTI-VARIATE TEMPORAL FEATURE IMPACT DETERMINATIONS SACKALOSKY, COREY MATTHEW 2128 §103 Non-Final OA 25d overdue Pending Mar 27, 2023
18188857 COMPUTERIZED ENTERPRISE MANAGEMENT GURSKI, AMANDA KAREN 3625 §101 Final Rejection 70d Pending Mar 23, 2023
18188283 SYSTEMS AND METHODS FOR FACILITATING BANKING ACTIVITIES VIA AN ANONYMOUS DIGITAL PROFILE FU, HAO 3695 §103 Non-Final OA 9d Pending Mar 22, 2023
18188280 CUSTOMER PRODUCT MARKETING PLATFORM LEE, JENNIFER V 3688 §101 Final Rejection 41d Pending Mar 22, 2023
18184174 SYSTEMS AND METHODS FOR GENERATING PREDICTIVE OUTCOMES FOR SCENARIOS USING GENERATIVE ARTIFICIAL INTELLIGENCE SACKALOSKY, COREY MATTHEW 2128 §103 Non-Final OA 92d overdue Pending Mar 15, 2023
18181848 IDENTIFICATION OF SIMILAR PROCESSES IN ENTERPRISE MISIASZEK, AMBER ALTSCHUL 3682 §101 Non-Final OA 4d overdue Pending Mar 10, 2023

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