Prosecution Insights
Last updated: August 17, 2026

Examiner: BUI, TOAN D.

Tech Center 3600 • Art Units: 3691 3693 3695

This examiner grants 58% of resolved cases

Performance Statistics

58.2%
Allow Rate
+6.2% vs TC avg
192
Total Applications
+43.8%
Interview Lift
1042
Avg Prosecution Days
Based on 146 resolved cases, 2023–2026

Rejection Statute Breakdown

40.7%
§101 Eligibility
1.8%
§102 Novelty
44.0%
§103 Obviousness
5.8%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18807258 SYSTEMS AND METHODS FOR REAL-TIME PULL RESOURCE TRANSFERS Non-Final OA WELLS FARGO BANK, N.A.
18762446 SYSTEMS AND METHODS FOR REMOTE ATM ACCESS Non-Final OA Wells Fargo Bank, N.A.
18669108 SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA LOCKABLE BOXES Non-Final OA Wells Fargo Bank, N.A.
18669119 SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA LOCKBOXES Non-Final OA Wells Fargo Bank, N.A.
18609936 UNIVERSAL CASSETTE FOR RECIRCULATION OF BILLS IN MULTIPLE SYSTEMS Non-Final OA Wells Fargo Bank, N.A.
18608331 UNIVERSAL CASSETTE FOR RECIRCULATION OF BILLS IN MULTIPLE SYSTEMS Final Rejection Wells Fargo Bank, N.A.
17947226 SYSTEMS AND METHODS FOR REAL TIME ACCESS TO EXTERNAL RESOURCE Non-Final OA The Toronto-Dominion Bank
18940378 UNIFIED DIGITAL WALLET LINK ACCOUNT SYSTEMS AND METHODS Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
16946397 METHOD AND SYSTEM FOR PAYMENT INTEGRATION WITH PROVENANCE SUPPLY CHAIN EVENTS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18440443 SYSTEMS AND METHODS FOR AUTHENTICATION AND CARD PROVISIONING IN DESKTOP MERCHANT CHECKOUTS Final Rejection Capital One Services, LLC
19222664 SECURE QR CODE BASED DATA TRANSFERS Non-Final OA PayPal, Inc.
18437124 MOBILE DEPOSIT OF FINANCIAL INSTRUMENTS USING QR CODE Final Rejection Truist Bank
18170645 NETWORK-BASED CRYPTOGRAPHIC BLOCKCHAIN FRAMEWORK FOR TRUST CONTROL OF CERTIFIED MASTER DATA MANAGEMENT Final Rejection Truist Bank
19240707 REDUCING FALSE POSITIVE FRAUD ALERTS FOR ONLINE FINANCIAL TRANSACTIONS Non-Final OA State Farm Mutual Automobile Insurance Company
18624826 IDENTIFYING FALSE POSITIVE GEOLOCATION-BASED FRAUD ALERTS Non-Final OA State Farm Mutual Automobile Insurance Company
18336225 SYSTEMS AND METHODS FOR EXECUTING REAL-TIME RECONCILIATION AND NOTIFICATION OF ELECTRONIC TRANSACTIONS Non-Final OA Fidelity Information Services, LLC
18312662 SYSTEMS AND METHODS FOR EXECUTING REAL-TIME RECONCILIATION AND NOTIFICATION OF ELECTRONIC TRANSACTIONS Final Rejection Fidelity Information Services, LLC
18140854 SYSTEM AND METHOD TO ORCHESTRATE RESOURCE INSTRUMENTS IN AN ELECTRONIC NETWORK UTILIZING UNIQUE HASH TOKENS Non-Final OA BANK OF AMERICA CORPORATION
18872600 RISK FEATURE DESCRIPTION EXTRACTION Non-Final OA Alipay (Hangzhou) Information Technology Co., Ltd.
18957582 PRESET SPENDING LIMIT ADJUSTMENT DURING A TRANSACTION Final Rejection Motorola Mobility LLC
18932926 SEARCHING BUSINESSES FOR SUPPORTED PAYMENT METHODS Final Rejection Motorola Mobility LLC
18386848 DEPOSIT FRAUD DETECTION Final Rejection FMR LLC

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