Prosecution Insights
Last updated: October 04, 2026

Xero Limited

Technology areas: Computing & Software • Transportation, E-Commerce & Mechanical Systems

13 pending office actions • 8 art units • 12 examiners • 0 of 13 (0%) have an AI response strategy ready • 14 patents granted in the last 365 days

Analysis

Xero Limited currently manages 13 pending office actions within the Transportation, E-Commerce & Mechanical Systems technology area. These actions are distributed among 12 distinct examiners, which is a smaller number than the total 13 pending office actions. The portfolio involves 8 distinct art units, indicating that the company's technical filings are spread across several USPTO groups. REAGAN, JAMES A is the busiest examiner, currently handling 2 pending office actions.

The 12 distinct examiners involved suggest that nearly every pending case is being reviewed by a different individual. This distribution across 8 distinct art units requires the company to be prepared for various examination styles within Transportation, E-Commerce & Mechanical Systems. REAGAN, JAMES A, with 2 pending office actions, is the only examiner managing more than one case. Practitioners should note that the 13 pending office actions are subject to the discretion of these 12 distinct examiners.

The 8 distinct art units involved mean that the company must coordinate its prosecution strategy across multiple technical niches. With 13 pending office actions, the portfolio is relatively concentrated but still requires attention to the 12 distinct examiners. REAGAN, JAMES A and their 2 pending office actions represent the highest point of examiner concentration for the company at this time.

Written from this page's own data; every figure is computed from USPTO records and verified before publication.

Portfolio Summary

13
Total Pending OAs
7
Non-Final OAs
6
Final Rejections
0
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 5 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

3
Overdue
0
Due this week
1
Due this month
1
Due in next 60 days
0
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. 5 of the docket's apps have a known mailing date.

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

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.

10
Hard (77%)
2
Medium (15%)
1
Easy (8%)
0
Unknown (0%)

Rejection Statute Mix

BucketCases
§101 only7 (54%)
§101 + other3 (23%)
§103 only2 (15%)
Double-patenting only1 (8%)

Industry Mix

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

0
Life Sciences
0% of docket
4
Information Tech
31% of docket
1
Communications
8% of docket
0
Semiconductors
0% of docket
6
Mechanical / Eng
46% of docket
2
Business / Other
15% 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.

130 h
Manual time on pending OAs
26 h
Time saved (low, 20%)
46 h
Time saved (mid, 35%)
1.1 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
REAGAN, JAMES A 2 71.4% +19.9%
HTAY, LIN LIN M 1 71.4% +24.6%
MIAN, MUHAMMAD U 1 67.1% +22.4%
DOLLY, KENDALL LYNN 1 87.8% +21.2%
OBAID, FATEH M 1 67.9% +35.4%
FU, HAO 1 50.1% +24.8%
KONERU, SUJAY 1 58.2% +37.6%
GOFMAN, ALEX N 1 68.4% +24.2%
CHANG, DANIEL CHEOLJIN 1 88.7% +13.6%
GETACHEW, WODAJO 1 40.8% +38.6%

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
19228066 Multi-Factor Authentication DOLLY, KENDALL LYNN —

Hard Cases (10)

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
18468431 SYSTEMS AND METHODS OF DIRECT ACCOUNT TRANSFER GETACHEW, WODAJO 50d overdue
18881156 Graphical User Interfaces and Systems, Methods, and Computer-Readable Media for Providing Graphical User Interfaces FU, HAO 23d overdue
17902392 Systems and Computer-Implemented Methods for Capital Management KWONG, CHO YIU 17d overdue
18869659 Methods, Systems and Computer Program Products for Determining Models for Predicting Reoccurring Transactions KONERU, SUJAY 30d
19469196 Methods and Systems for Updating a Graph Data Structure HTAY, LIN LIN M —
19315220 Transaction Data Processing Systems and Methods REAGAN, JAMES A —
19315228 Transaction data processing systems and methods REAGAN, JAMES A —
19229592 Methods and Systems for Building and/or Using a Graph Data Structure MIAN, MUHAMMAD U —

Interview Candidates (11)

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
18468431 SYSTEMS AND METHODS OF DIRECT ACCOUNT TRANSFER GETACHEW, WODAJO 50d overdue
18881156 Graphical User Interfaces and Systems, Methods, and Computer-Readable Media for Providing Graphical User Interfaces FU, HAO 23d overdue
18869659 Methods, Systems and Computer Program Products for Determining Models for Predicting Reoccurring Transactions KONERU, SUJAY 30d
18852130 Methods and Systems for Facilitating Asynchronous Communication GOFMAN, ALEX N 43d
19469196 Methods and Systems for Updating a Graph Data Structure HTAY, LIN LIN M —
19315220 Transaction Data Processing Systems and Methods REAGAN, JAMES A —
19315228 Transaction data processing systems and methods REAGAN, JAMES A —
19229592 Methods and Systems for Building and/or Using a Graph Data Structure MIAN, MUHAMMAD U —

Top Art Units

Art UnitApps
3697 3
2163 2
2153 1
3695 1
3624 1
2669 1
2166 1
3693 1

Pending Office Actions

App #TitleExaminerArt UnitStatutesStatusDue inAIFiled
19469196 Methods and Systems for Updating a Graph Data Structure HTAY, LIN LIN M 2153 §101§103 Non-Final OA — Pending Sep 25, 2025
19315220 Transaction Data Processing Systems and Methods REAGAN, JAMES A 3697 §101 Non-Final OA — Pending Aug 29, 2025
19315228 Transaction data processing systems and methods REAGAN, JAMES A 3697 §101 Non-Final OA — Pending Aug 29, 2025
19229592 Methods and Systems for Building and/or Using a Graph Data Structure MIAN, MUHAMMAD U 2163 §101Other Non-Final OA — Pending Jun 05, 2025
19228066 Multi-Factor Authentication DOLLY, KENDALL LYNN — DP Non-Final OA — Pending Jun 04, 2025
19012192 SYSTEMS AND METHODS OF MOBILE BANKING RECONCILIATION OBAID, FATEH M — §101Other Non-Final OA — Pending Jan 07, 2025
18881156 Graphical User Interfaces and Systems, Methods, and Computer-Readable Media for Providing Graphical User Interfaces FU, HAO 3695 §101§103 Final Rejection 23d overdue Pending Jan 03, 2025
18869659 Methods, Systems and Computer Program Products for Determining Models for Predicting Reoccurring Transactions KONERU, SUJAY 3624 §101 Final Rejection 30d Pending Nov 26, 2024
18852130 Methods and Systems for Facilitating Asynchronous Communication GOFMAN, ALEX N 2163 §103 Final Rejection 43d Pending Sep 27, 2024
18588500 Methods, Systems and Computer Program Products for Determining Date Information CHANG, DANIEL CHEOLJIN 2669 §101§103§112 Non-Final OA — Pending Feb 27, 2024
18468431 SYSTEMS AND METHODS OF DIRECT ACCOUNT TRANSFER GETACHEW, WODAJO 3697 §101 Final Rejection 50d overdue Pending Sep 15, 2023
18028416 SYSTEMS AND METHOD FOR GENERATING LABELLED DATASETS HALM, KWEKU WILLIAM 2166 §103 Final Rejection — Pending Mar 24, 2023
17902392 Systems and Computer-Implemented Methods for Capital Management KWONG, CHO YIU 3693 §101 Final Rejection 17d overdue Pending Sep 02, 2022

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