Prosecution Insights
Last updated: May 29, 2026

Examiner: CHISM, STEVEN R

Tech Center 3600 • Art Units: 3692

This examiner grants 31% of resolved cases

Performance Statistics

31.1%
Allow Rate
-20.9% vs TC avg
176
Total Applications
+42.9%
Interview Lift
1160
Avg Prosecution Days
Based on 135 resolved cases, 2023–2026

Rejection Statute Breakdown

8.4%
§101 Eligibility
6.4%
§102 Novelty
67.0%
§103 Obviousness
17.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18331101 SYSTEMS AND METHODS FOR DYNAMIC DECLINATION GENERATION Non-Final OA Capital One Services, LLC
19046068 ADVANCED FRAUD DETECTION SYSTEM Non-Final OA Wells Fargo Bank, N.A.
18938034 PAYMENT METHODS, APPARATUSES, AND DEVICES BASED ON NEAR FIELD COMMUNICATION, AND MEDIA Non-Final OA Shanghai Ant Chuangjiang Information Technology Co., Ltd.
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
18159738 AVAILABILITY STATUS FOR REAL-TIME PAYMENT NETWORKS Final Rejection American Express Travel Related Services Company, Inc.
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 Non-Final OA The PNC Financial Services Group, Inc.
18221596 METHOD AND SYSTEM FOR PROVIDING NEWS RISK ALERTS FOR WHOLESALE CREDIT RISK MANAGEMENT Final Rejection JPMorgan Chase Bank, N.A.
17979744 Premium Adjustments Based on Mitigation Techniques Non-Final OA STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
18470196 Cross-Cluster Transaction Risk Assessment Final Rejection Oracle International Corporation
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.
18735852 SYSTEM AND METHOD FOR PROVISIONING MOBILE CREDENTIALS WITH MULTI-WALLET AND DEVICE SELECTOR Non-Final OA TRANSACT CAMPUS INC.
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
18085021 APPARATUS AND METHODS FOR IDENTIFICATION USING THIRD-PARTY VERIFIERS Final Rejection The Beneficiary Liquidity Plan
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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