Prosecution Insights
Last updated: April 19, 2026

Examiner: CHISM, STEVEN R

Tech Center 3600 • Art Units: 3692

This examiner grants 30% of resolved cases

Performance Statistics

29.5%
Allow Rate
-22.5% vs TC avg
173
Total Applications
+41.1%
Interview Lift
1263
Avg Prosecution Days
Based on 132 resolved cases, 2023–2026

Rejection Statute Breakdown

33.2%
§101 Eligibility
8.1%
§102 Novelty
27.3%
§103 Obviousness
30.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
19046068 ADVANCED FRAUD DETECTION SYSTEM Non-Final OA Wells Fargo Bank, N.A.
18509710 SYSTEM AND METHOD FOR FRAUD VERIFICATION ACROSS USER IDENTIFICATION FORMATS IMPLEMENTING SCANNING TECHNOLOGIES Non-Final OA JPMorgan Chase Bank, N.A.
18221596 METHOD AND SYSTEM FOR PROVIDING NEWS RISK ALERTS FOR WHOLESALE CREDIT RISK MANAGEMENT Final Rejection JPMorgan Chase Bank, N.A.
18971698 SYSTEMS AND METHODS FOR SECURELY OPENING APIS WITH CARDHOLDER AUTHENTICATION AND CONSENT Non-Final OA Mastercard International Incorporated
18710832 ACCOUNT LINKING INDEX STRUCTURE IN A NETWORK Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18426245 SYSTEMS AND METHODS FOR REAL-TIME CARDHOLDER AUTHENTICATION USING TRANSACTION HISTORY Final Rejection Mastercard International Incorporated
18159738 AVAILABILITY STATUS FOR REAL-TIME PAYMENT NETWORKS Final Rejection American Express Travel Related Services Company, Inc.
17979744 Premium Adjustments Based on Mitigation Techniques Non-Final OA STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
18767513 Assisted Channel Credit Applications with Automatic Integration into Digital Wallets Non-Final OA The Toronto-Dominion Bank
18502237 SYSTEMS AND METHODS FOR ISSUING AN ARRANGEMENT FOR USE WITH AN ENTITY AT A UNIQUE GEOGRAPHIC LOCATION Final Rejection The PNC Financial Services Group, Inc.
18377353 SYSTEMS AND METHODS FOR CLIMATE MANAGEMENT Non-Final OA Allstate Insurance Company
18829238 PERFORMING ENTITY ACTIONS USING EMAIL INTERFACES Non-Final OA Yahoo Assets LLC
17746589 Identity, Payment and Access Control System Non-Final OA Mastercard Asia/Pacific PTE LTD.
18518241 SYSTEM AND METHOD FOR ELECTRONICALLY EXECUTING LIFE INSURANCE POLICY EXCHANGES Non-Final OA Wissahickon Creek Holdings LLC
18297620 SYSTEM AND METHOD FOR ELECTRONICALLY IDENTIFYING AND EXECUTING TERM LIFE INSURANCE POLICY EXCHANGES Final Rejection Wissahickon Creek Holdings LLC
18172956 VERIFYING ITEMS IN A SHOPPING CART BASED ON WEIGHTS MEASURED FOR THE ITEMS Final Rejection Maplebear Inc. (dba Instacart)
18041389 IDENTITY AUTHENTICATION Final Rejection GENERAL IDENTITY PROTOCOL LIMITED
16694904 CUSTOMER ACQUISITION WITHOUT INITIALLY RECEIVING PERSONALLY IDENTIFIABLE INFORMATION (PII) Final Rejection Comenity LLC
16989939 TRANSFERRING CRYPTOCURRENCY FROM A REMOTE LIMITED ACCESS WALLET Final Rejection Galaxy Digital Trading LLC
16225841 APPARATUS, SYSTEM, AND METHOD FOR INTELLIGENT CHOICE IN CURRENCY Final Rejection Safehaven Labs, Inc.

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