Prosecution Insights
Last updated: August 18, 2026

Examiner: HASBROUCK, MERRITT J

Tech Center 3600 • Art Units: 3691 3693 3695 3697

This examiner grants 10% of resolved cases

Performance Statistics

10.1%
Allow Rate
-41.9% vs TC avg
191
Total Applications
+7.5%
Interview Lift
1338
Avg Prosecution Days
Based on 148 resolved cases, 2023–2026

Rejection Statute Breakdown

47.2%
§101 Eligibility
10.3%
§102 Novelty
37.3%
§103 Obviousness
4.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18481149 PREDICTING PERFORMANCE OF A PORTFOLIO WITH ASSET OF INTEREST Non-Final OA The Toronto-Dominion Bank
18967092 CONVERTING CARD-NOT-PRESENT TO CARD-PRESENT TRANSACTIONS FOR ONLINE TRANSACTIONS Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18657645 MULTI-SOURCE TRANSACTION PROCESSING Non-Final OA Block Inc.
18817698 TRANSMITTING PROACTIVE NOTIFICATIONS BASED ON MACHINE LEARNING MODEL PREDICTIONS Final Rejection Capital One Services, LLC.
18759533 SYSTEMS AND METHODS TO PROVIDE CONTACTLESS CARDS FOR TRANSACTIONS Final Rejection Capital One Services, LLC
17410411 ENVIRONMENT AND METHODS FOR ENABLING ELECTRONIC TRANSACTIONS Final Rejection PAYPAL, INC.
18228971 SYSTEM AND METHOD FOR COMPUTING CLUSTERING RELEVANCE IN VOLATILE DATA ENVIRONMENT AND ADJUSTING CLUSTERING COMPOSITION FOR IMPROVED ACCURACY Final Rejection JPMorgan Chase Bank, N.A.
18049433 SYSTEMS AND METHODS FOR PROCESSING STEAMS OF BALANCE TRANSFER DATA RECORDS Final Rejection JPMORGAN CHASE BANK, N.A.
19263338 ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR DOCUMENT CLASSIFICATION AND ANALYSIS Non-Final OA State Farm Mutual Automobile Insurance Company
17975925 PROVIDING INSURANCE DISCOUNTS BASED UPON USAGE OF TELEMATICS DATA-BASED RISK MITIGATION AND PREVENTION FUNCTIONALITY Non-Final OA STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
19025184 Systems and Methods for Tracking, Predicting, and Mitigating Advanced Persistent Threats in Networks Final Rejection Ciena Corporation
17829088 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS Final Rejection Early Warning Services, LLC
17824878 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS Non-Final OA Early Warning Services, LLC
18111668 SYSTEM, METHOD AND APPARATUS FOR PREVENTING INSUFFICIENT FUNDS RETURNS IN FINANCIAL TRANSACTION PROCESSING Final Rejection Affirm, Inc.
17728386 METHOD AND APPARATUS FOR PROVISION OF A VIRTUAL CARD HAVING A PERSISTENT PRIMARY ACCOUNT NUMBER Non-Final OA Affirm, Inc.
18753243 SYSTEMS AND METHODS FOR AUTOMATIC GRADUATION OF SECURED INSTRUMENTS Final Rejection Synchrony Bank
18075445 COMPUTERIZED-METHOD AND COMPUTERIZED-SYSTEM FOR GENERATING A CLASSIFICATION MACHINE LEARNING MODEL FOR IMPLEMENTATION WITH NO TRAINING REQUIREMENT Non-Final OA Actimize Ltd.

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