Prosecution Insights
Last updated: August 17, 2026

Examiner: GREGG, MARY M

Tech Center 3600 • Art Units: 3691 3692 3694 3695 3697

This examiner grants 14% of resolved cases

Performance Statistics

14.0%
Allow Rate
-38.0% vs TC avg
697
Total Applications
+14.1%
Interview Lift
1640
Avg Prosecution Days
Based on 637 resolved cases, 2023–2026

Rejection Statute Breakdown

31.9%
§101 Eligibility
8.9%
§102 Novelty
42.7%
§103 Obviousness
15.6%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18734850 RELATIVE CO-RELATION SECURED BOND INDEX MODELING Final Rejection Wells Fargo Bank, N.A.
18607184 DATA CAPTURE AND LOAN PAYOFF THROUGH SMARTPHONE Non-Final OA Wells Fargo Bank, N.A.
18454467 CONFIGURING DATA TRANSFERS BASED ON ELECTRONIC MESSAGES Non-Final OA The Toronto-Dominion Bank
18234240 DYNAMIC TRUST SCORE Final Rejection American Express Travel Related Services Company, Inc.
15357426 RAPID CHECKOUT PRE-INITIATION Final Rejection American Express Travel Related Services Company, Inc.
17877182 CLOUD-BASED TRANSACTION PROCESSING Non-Final OA NCR Voyix Corporation
19002065 CONTACTLESS INTERACTION SYSTEM, APPARATUS AND METHOD Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18472028 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Final Rejection Mastercard International Incorporated
18472033 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Final Rejection Mastercard International Incorporated
18472039 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Final Rejection Mastercard International Incorporated
18472043 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Non-Final OA Mastercard International Incorporated
18223476 SYSTEMS AND METHODS FOR AUTOMATICALLY REVERSING ELECTRONIC INSTRUCTIONS BASED ON FIRST AND SECOND ELECTRONIC MESSAGES Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18151405 SYSTEMS AND METHODS FOR DETECTING ANOMALOUS ACTIVITY OVER A COMPUTER NETWORK Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18145627 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Non-Final OA Mastercard International Incorporated
18316179 DYNAMIC USER INTERFACES AND OPERATIONAL FLOWS Non-Final OA Block, Inc.
18346416 CUSTOMIZED INTAKE HANDLING FOR FRAUDULENT AND/OR DISPUTED TRANSACTIONS Non-Final OA Capital One Services, LLC
18470555 Machine Learning Model for Accounts Receivable Reliability Predictions Non-Final OA Oracle International Corporation
18368884 IDENTITY MANAGEMENT FOR VIRTUAL PRIVATE LABEL CLOUDS Non-Final OA Oracle International Corporation
19219651 SYSTEMS AND METHODS FOR MOBILE DEVICE PAYMENT USING TAP Non-Final OA JPMORGAN CHASE BANK, N.A.
18378307 ENERGY TRADING METHOD AND SYSTEM FOR SUPPORTING ENVIRONMENTAL, SOCIAL, AND GOVERNANCE MANAGEMENT Final Rejection ELECTRONICS AND TELECOMMUNICATIONS RESEARCH INSTITUTE
18379992 System and Method for Indicating Whether a Vehicle Crash Has Occurred Final Rejection STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
18232636 GAMING MARKETPLACE OF ADDITIVE MANUFACTURING ASSETS Final Rejection IGT
17698674 PROGRAM, INFORMATION PROCESSING METHOD, AND TERMINAL Non-Final OA LY CORPORATION
17717802 REINFORCEMENT LEARNING FOR AUTOMATED INDIVIDUALIZED NEGOTIATION AND INTERACTION Non-Final OA AT&T Intellectual Property I, L.P.
14495772 Multichannel Exchange Mechanism Apparatuses, Methods and Systems Final Rejection FMR, LLC

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