Prosecution Insights
Last updated: April 19, 2026

Examiner: HASBROUCK, MERRITT J

Tech Center 3600 • Art Units: 3693 3695 3697

This examiner grants 11% of resolved cases

Performance Statistics

10.7%
Allow Rate
-41.3% vs TC avg
185
Total Applications
+8.1%
Interview Lift
1407
Avg Prosecution Days
Based on 140 resolved cases, 2023–2026

Rejection Statute Breakdown

45.4%
§101 Eligibility
10.5%
§102 Novelty
35.9%
§103 Obviousness
6.2%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18817698 TRANSMITTING PROACTIVE NOTIFICATIONS BASED ON MACHINE LEARNING MODEL PREDICTIONS Non-Final OA Capital One Services, LLC.
18275272 SIMPLIFY VIRTUAL CARD NUMBERS Final Rejection Capital One Services, LLC
18168458 TRANSACTION TRACKING AND FRAUD DETECTION USING VOICE AND/OR VIDEO DATA Final Rejection Capital One Services, LLC
18049433 SYSTEMS AND METHODS FOR PROCESSING STEAMS OF BALANCE TRANSFER DATA RECORDS Final Rejection JPMORGAN CHASE BANK, N.A.
18775724 Payment method, apparatus, device and medium based on near field communication Non-Final OA Shanghai Ant Chuangjiang Information Technology Co., Ltd.
18055197 CUSTOMIZABLE RULES-BASED PAYMENT PLAN MANAGEMENT Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18657645 MULTI-SOURCE TRANSACTION PROCESSING Final Rejection Block Inc.
18379692 INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING SYSTEM, AND INFORMATION PROCESSING METHOD Final Rejection TOYOTA JIDOSHA KABUSHIKI KAISHA
17410411 ENVIRONMENT AND METHODS FOR ENABLING ELECTRONIC TRANSACTIONS Non-Final OA PAYPAL, INC.
17975925 PROVIDING INSURANCE DISCOUNTS BASED UPON USAGE OF TELEMATICS DATA-BASED RISK MITIGATION AND PREVENTION FUNCTIONALITY Final Rejection STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
19108847 AUTONOMOUSLY ADAPTABLE PAYMENT TRANSACTIONS AND INTERFACES Non-Final OA BANO PTY LTD
18217330 ACCOUNT STRUCTURE WITH INTERACTIONS TRIGGERED BY DETECTED CHANGES IN THE ACCOUNTS Final Rejection Goldman Sachs & Co. LLC
18834439 Digital Currency Transaction Method and System, and Digital Currency Card Application Apparatus Non-Final OA Shenzhen Financial Technology Institute (Financial Technology Institute, PBC)
18697684 Digital Currency-Based Transaction Method and Apparatus Final Rejection DIGITAL CURRENCY INSTITUTE, THE PEOPLE'S BANK OF CHINA
19036168 PROPERTY INSPECTION USING AERIAL IMAGERY Non-Final OA Esurance Insurance Services, Inc.
18753243 SYSTEMS AND METHODS FOR AUTOMATIC GRADUATION OF SECURED INSTRUMENTS Non-Final OA Synchrony Bank
18356806 INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM Non-Final OA FUJIFILM BUSINESS INNOVATION CORP.
19025184 Systems and Methods for Tracking, Predicting, and Mitigating Advanced Persistent Threats in Networks Non-Final OA Ciena Corporation
17829088 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS Final Rejection Early Warning Services, LLC
17829077 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS Non-Final OA Early Warning Services, LLC
17829115 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS Non-Final OA Early Warning Services, LLC
17829131 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS Non-Final OA Early Warning Services, LLC
18566755 METHOD FOR PROCESSING A TRANSACTION, DEVICE AND CORRESPONDING PROGRAM Final Rejection BANKS AND ACQUIRERS INTERNATIONAL HOLDING
18075445 COMPUTERIZED-METHOD AND COMPUTERIZED-SYSTEM FOR GENERATING A CLASSIFICATION MACHINE LEARNING MODEL FOR IMPLEMENTATION WITH NO TRAINING REQUIREMENT Final Rejection Actimize Ltd.
18393592 TRANSACTION MANAGEMENT METHOD, SYSTEM AND PROGRAM Final Rejection KEYSOFT, INC.
17354255 PAYMENT VERIFICATION METHOD AND SYSTEM Final Rejection Alipay.com Co., Ltd.
18101017 SYSTEMS AND METHODS TO HANDLE ABATEMENT FOR EXCHANGES INCLUDED IN A CAPACITY PLAN Final Rejection Simnang IP, LLC
15368221 Electronic Platform For Managing Investment Products Non-Final OA Christian GUNTHER

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