Prosecution Insights
Last updated: August 18, 2026

Examiner: LOZA, JANICE JOMARIE

Tech Center 3600 • Art Units: 3698

This examiner grants 8% of resolved cases

Performance Statistics

7.7%
Allow Rate
-44.3% vs TC avg
47
Total Applications
+25.0%
Interview Lift
972
Avg Prosecution Days
Based on 13 resolved cases, 2023–2026

Rejection Statute Breakdown

38.7%
§101 Eligibility
6.7%
§102 Novelty
39.0%
§103 Obviousness
13.4%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
19274252 LOCALIZATION CONTROL FOR NON-FUNGIBLE TOKENS (NFTS) VIA TRANSFER BY CONTAINERIZED DATA STRUCTURES Non-Final OA Wells Fargo Bank, N.A.
19025124 MOBILE PAYMENT TRUST SCORE USING VERY SMART WALLET Non-Final OA Wells Fargo Bank, N.A.
19034109 TECHNIQUES FOR MANAGING TRANSACTION TOKENS TO FACILITATE RECONCILIATION PROCEDURES Final Rejection Apple Inc.
18940805 GENERATING ESTIMATED FUTURE TRANSACTIONS USING TOKENS AND EMBEDDINGS OF PAST TRANSACTIONS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18563356 SECURITY FOR ONLINE CONTACTLESS TRANSACTIONS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18168905 IN-APP TRANSACTION VALIDATION Final Rejection Snap Inc.
18326624 AUTHENTICATION FOR AN ACCESS-CONTROLLED RESOURCE Final Rejection Capital One Services, LLC
19197092 METHOD AND SYSTEM FOR THE SECURE TRANSFER OF ENTITIES ON A BLOCKCHAIN Non-Final OA nChain Licensing AG
18232994 METHODS FOR USER PAYMENTS OR ACCESS VALIDATION MANAGEMENT THROUGH USER STATE DETERMINATION Final Rejection Adeia Guides Inc.
19376159 Methods and Systems for Shareholder Election Non-Final OA The PNC Financial Services Group, Inc.
18108898 Method, System, and Computer Program Product for Generating a Single-Use Digital Asset Non-Final OA Visa International Service Association
18086015 ELECTRONIC WALLET APPLICATION EMERGENCY MODE Final Rejection T-MOBILE INNOVATIONS LLC
18530619 REDEEMING ENTITLEMENTS DEPLOYED ON BLOCKCHAIN Non-Final OA ADOBE INC.
18521908 ON-CHAIN ATTESTATIONS USING USER DATA Non-Final OA Coinbase, Inc.
18761204 MACHINE-LEARNING BASED SECURITY EVENT DETECTION Final Rejection Stripe, LLC

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