Prosecution Insights
Last updated: August 18, 2026

Examiner: FU, HAO

Tech Center 3600 • Art Units: 3691 3692 3693 3695 3696 3697

This examiner grants 50% of resolved cases

Performance Statistics

50.1%
Allow Rate
-1.9% vs TC avg
583
Total Applications
+25.1%
Interview Lift
1393
Avg Prosecution Days
Based on 547 resolved cases, 2023–2026

Rejection Statute Breakdown

36.0%
§101 Eligibility
6.8%
§102 Novelty
40.9%
§103 Obviousness
8.6%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
19022481 SYSTEMS AND METHODS FOR AUTOMATIC TAX WITHHOLDING IN A DIGITAL PAYMENT NETWORK Final Rejection Wells Fargo Bank, N.A.
17975807 Pre-Authorization of Non-Activated Payment Instruments at Specific Merchants Non-Final OA The Toronto-Dominion Bank
18930543 DETECTING AND REMEDIATING ANOMALIES IN INSTITUTIONAL FINANCIAL INSTRUMENTS USING IMAGE PROCESSING Non-Final OA U.S. Bank National Association
19093088 FACILITATING PAYMENTS IN AN EXTENDED REALITY SYSTEM BASED ON BEHAVIORAL BIOMETRICS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
17739040 METHODS AND SYSTEMS FOR PREDICTING CHARGEBACK BEHAVIORAL DATA OF ACCOUNT HOLDERS Non-Final OA Mastercard International Incorporated
18608289 SYSTEMS AND METHODS FOR PORTFOLIO PACING Non-Final OA JPMorgan Chase Bank, N.A.
19256963 SYSTEMS AND METHODS FOR USING TOKENIZED ICONS TO PROVIDE INSURANCE POLICY QUOTES Non-Final OA State Farm Mutual Automobile Insurance Company
18454571 DATA MAPPING METHOD AND SYSTEM Non-Final OA Royal Bank of Canada
17953605 SYSTEM, METHOD AND APPARATUS FOR PROVIDING MIXED CART FINANCING OPTIONS Non-Final OA Affirm, Inc.
19202358 APPARATUS AND METHOD FOR FORMULATING BIDDING STRATEGY BASED ON PHOTOVOLTATIC POWER GENERATION Non-Final OA HANWHA SOLUTIONS CORPORATION
18709421 INDEX FORMULATION WITH ANOMALY DETECTION AND CORRECTION IN PROCUREMENT SYSTEMS Non-Final OA 3M INNOVATIVE PROPERTIES COMPANY
14632889 Insulated Account Datastructure Apparatuses, Methods and Systems Final Rejection FMR LLC

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