Prosecution Insights
Last updated: April 19, 2026

Examiner: KANERVO, VIRPI H

Tech Center 3600 • Art Units: 3619 3691

This examiner grants 47% of resolved cases

Performance Statistics

47.4%
Allow Rate
-4.6% vs TC avg
593
Total Applications
+47.5%
Interview Lift
1342
Avg Prosecution Days
Based on 553 resolved cases, 2023–2026

Rejection Statute Breakdown

39.2%
§101 Eligibility
7.7%
§102 Novelty
34.2%
§103 Obviousness
10.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18960216 SYSTEM AND METHOD FOR MOBILE CHECK DEPOSIT WITH RESTRICTED ENDORSEMENT Non-Final OA Wells Fargo Bank, N.A.
18768898 CREDENTIAL WITH FLEXIBLE FUNDING Final Rejection Wells Fargo Bank, N.A.
18622848 CHAINING TRANSACTIONS FOR FRAUD PREVENTION Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18409227 PROTECTIONS FOR STORED DATA Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18586403 ACCOUNT REBALANCING DAEMON FOR USE WITH SECURE DIGITAL ASSET CUSTODIANS Non-Final OA PayPal, Inc.
18377952 FINANCIAL STRENGTH INDICATION Non-Final OA PayPal, Inc.
18271427 METHOD FOR COMPUTER-IMPLEMENTED SERVICE PROVISION IN A BLOCKCHAIN, CORRESPONDING BLOCKCHAIN NETWORK NODE AND COMPUTER PROGRAM Final Rejection Orange
18423126 POINT-OF-SALE TERMINAL, METHOD, AND POINT-OF-SALE SYSTEM Final Rejection Toshiba Tec Kabushiki Kaisha
15232406 SYSTEM AND METHOD FOR USER IDENTITY VALIDATION FOR ONLINE TRANSACTIONS Non-Final OA GULA CONSULTING LIMITED LIABILITY COMPANY
18556820 PAYMENT SOLUTION, ESPECIALLY DIGITAL PAYMENT SOLUTION Final Rejection GIESECKE+DEVRIENT EPAYMENTS GMBH
16660201 CLIENT SPECIFIC DATA DISTRIBUTION Non-Final OA CHICAGO MERCANTILE EXCHANGE INC.
17804635 SYSTEMS AND METHODS FOR PAYMENT MANAGEMENT FOR SUPPORTING MOBILE PAYMENTS Final Rejection Worldpay, LLC
19026865 SYSTEM AND METHOD FOR INTEGRATING DATA FROM A REMOTE SERVER WITH A CLIENT APPLICATION Non-Final OA Synchrony Bank
18931583 Authorization of a Trading Strategy Algorithm Non-Final OA TRADING TECHNOLOGIES INTERNATIONAL, INC.
18640812 CROSS-PLATFORM RECORD MANAGEMENT USING A PEER-TO-PEER LINK SERVICE Final Rejection MASTERCARD ASIA/PACIFIC PTE. LTD.
18111637 SYSTEM, METHOD AND APPARATUS FOR FASTER ACH TRANSFER PROCESSING Final Rejection Affirm, Inc.
18794400 BANKING TRANSACTIONS VIA MESSAGING APP Non-Final OA JP Morgan Chase Bank, N.A.
18670330 SOFTWARE APPLICATION FOR PERFORMING CERTIFICATION TESTING OF PAYMENT TERMINALS Final Rejection Capital One Financial Corporation
18396759 MACHINE LEARNING BASED SYSTEMS AND METHODS FOR IDENTIFICATION OF PAYMENT INFORMATION FROM ELECTRONIC MAILS Final Rejection HIGHRADIUS CORPORATION
18394061 SYSTEMS AND METHODS FOR MANAGING GIFTING STRATEGIES VIA IMPROVED GRAPHICAL INTERFACES Non-Final OA Villanova Tech, LLC
18571794 ORDER PAYMENT METHOD AND APPARATUS, AND STORAGE MEDIUM, DEVICE AND SYSTEM Final Rejection DRNC HOLDINGS, INC.
18216964 INTELLIGENT VIRTUAL DIGITAL ASSISTANT FOR TAX FILING Final Rejection HRB Innovations, Inc.
13619226 System, Method, and Apparatus for Creating and Distributing a Transaction Credit Final Rejection BLACKHAWK NETWORK, INC.

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