Prosecution Insights
Last updated: October 02, 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
699
Total Applications
+14.2%
Interview Lift
1648
Avg Prosecution Days
Based on 642 resolved cases, 2023–2026

Rejection Statute Breakdown

32.0%
§101 Eligibility
8.9%
§102 Novelty
42.8%
§103 Obviousness
15.5%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
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.
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
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
18472033 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Final Rejection Mastercard International Incorporated
18472017 COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING Final Rejection 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
18233466 SYSTEM AND METHOD FOR APPLYING USER DATA IN ACCESSING OF INSTITUTIONAL PRODUCTS Non-Final OA Royal Bank of Canada
18470555 Machine Learning Model for Accounts Receivable Reliability Predictions Non-Final OA Oracle International Corporation
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
17717802 REINFORCEMENT LEARNING FOR AUTOMATED INDIVIDUALIZED NEGOTIATION AND INTERACTION Final Rejection AT&T Intellectual Property I, L.P.
17109714 DETERMINISTIC AND EFFICIENT MESSAGE PACKET MANAGEMENT Non-Final OA Chicago Mercantile Exchange Inc.
17877182 CLOUD-BASED TRANSACTION PROCESSING Non-Final OA NCR Voyix Corporation
18232636 GAMING MARKETPLACE OF ADDITIVE MANUFACTURING ASSETS Final Rejection IGT
18225265 Access Server System and Methods for Mapping and Coupling of Digital Assets Final Rejection Mastercard Asia/Pacific PTE. LTD.
14715551 Probabilistic Analysis Trading Platform Apparatuses, Methods and Systems Final Rejection FMR LLC
14495772 Multichannel Exchange Mechanism Apparatuses, Methods and Systems Final Rejection FMR, LLC
18654102 METHOD AND APPARATUS FOR LOAN MATCHING WITH RESPECT TO PAYMENT INSTRUMENT TRANSACTIONS Final Rejection Affirm, Inc.
16745122 TWO DEVICE AUTHENTICATION FOR A CREDIT APPLICATION Non-Final OA Comenity LLC
16595189 OUT-OF-BAND VERIFICATION FOR AN ELECTRONIC APPLICATION Non-Final OA Comenity LLC

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