Prosecution Insights
Last updated: April 19, 2026

Examiner: ALI, HATEM M

Tech Center 3600 • Art Units: 3691 3692 3696

This examiner grants 44% of resolved cases

Performance Statistics

44.5%
Allow Rate
-7.5% vs TC avg
603
Total Applications
+25.9%
Interview Lift
1620
Avg Prosecution Days
Based on 548 resolved cases, 2023–2026

Rejection Statute Breakdown

29.7%
§101 Eligibility
2.8%
§102 Novelty
48.5%
§103 Obviousness
9.3%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18330814 DATA RETRIEVAL THRESHOLDS FOR TRANSACTION ANALYSIS Final Rejection Truist Bank
18414621 SYSTEMS AND METHODS FOR FRAUD PREVENTION IN REAL-TIME PROCESSING OF ELECTRONIC TRANSACTIONS Non-Final OA Capital One Services, LLC
18489718 SYSTEMS AND METHODS FOR ENABLING REAL-TIME GRAPH MACHINE LEARNING MODELS USING BITWISE TRANSACTION GRAPH FRAMEWORKS Final Rejection JPMORGAN CHASE BANK, N.A.
19002460 SYSTEMS AND METHODS FOR PROVIDING GRATUITIES TO MERCHANTS Non-Final OA Block, Inc.
19001186 SYSTEMS AND METHODS FOR DELAYED PROCESSING OF E-COMMERCE TRANSACTIONS Non-Final OA Block, Inc.
18990231 SYSTEMS AND METHODS FOR DELAYED PROCESSING OF E-COMMERCE TRANSACTIONS Non-Final OA Block, Inc.
18481460 SYSTEM AND METHODS OF PROCESSING DATA FOR FRAUD DETECTION AND ANALYSIS Non-Final OA The Toronto-Dominion Bank
18986441 TIME BASED RISK MANAGEMENT MECHANISMS Non-Final OA Visa International Service Association
18533064 TRANSACTION RISK RULES ENGINE Non-Final OA Stripe, Inc.
18989434 SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS Non-Final OA The PNC Financial Services Group, Inc.
18989330 SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS Non-Final OA The PNC Financial Services Group, Inc.
18989474 SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS Non-Final OA The PNC Financial Services Group, Inc.
18989507 SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS Non-Final OA The PNC Financial Services Group, Inc.
18989408 SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS Non-Final OA The PNC Financial Services Group, Inc.
18966504 SYSTEMS AND METHODS FOR AUTOMATED LOAN AUTHORIZATION Non-Final OA The PNC Financial Services Group, Inc.
18503379 SYSTEMS AND METHODS FOR AUTOMATED LOAN AUTHORIZATION Non-Final OA The PNC Financial Services Group, Inc.
18502152 DIGITAL ASSET-BASED INTERACTION SYSTEM WITH ONE OR MORE STAKED DISTRIBUTED LEDGER TECHNOLOGY (DLT) NETWORKS Non-Final OA Flexa Inc.
18517958 METHODS AND SYSTEMS FOR ALERT CONFIGURATION Non-Final OA NASDAQ TECHNOLOGY AB
18430051 METHOD AND SYSTEM FOR PROVIDING A RESPONSE TO A CLIENT REQUEST AND A SYSTEM FOR A CHAT CONVERSATION Final Rejection Supertab AG
19032438 PAYMENT PROCESSING Non-Final OA MX TECHNOLOGIES, INC.
19030075 SYSTEM AND METHOD FOR PAYMENT TENDER STEERING Non-Final OA Worldpay, LLC
18730433 SYSTEM AND METHOD FOR AN ANTIFRAUD SCORING SYSTEM Non-Final OA REWIRE HOLDING LTD.
18520775 EFFICIENT, ACCURATE, AND SECURE PROCESSING OF DIGITAL ASSET CONVERSION TO FIAT CURRENCY Final Rejection Bakkt Marketplace, LLC
18213756 IDENTIFYING AN ANOMALOUS TRANSACTION BY COMPARING A METRIC FOR THE TRANSACTION AGAINST A MODEL-DERIVED EXPECTED DISTRIBUTION OF THE METRIC Non-Final OA Maplebear Inc. (dba Instacart)
18270571 DEVICES, SYSTEMS, AND METHODS FOR PUBLIC/PRIVATE KEY AUTHENTICATION Non-Final OA Arculus Holdings, LLC

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