Prosecution Insights
Last updated: April 19, 2026

Examiner: MALKOWSKI, MARK A

Tech Center 3600 • Art Units: 3600 3692 3695 3696

This examiner grants 46% of resolved cases

Performance Statistics

46.0%
Allow Rate
-6.0% vs TC avg
85
Total Applications
+5.0%
Interview Lift
1322
Avg Prosecution Days
Based on 63 resolved cases, 2023–2026

Rejection Statute Breakdown

40.8%
§101 Eligibility
5.3%
§102 Novelty
26.5%
§103 Obviousness
21.6%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18490691 ACCELERATED VIRTUAL CARD PAYMENTS IN B2B TRANSACTIONS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
17699838 Completing a Transaction Non-Final OA Mastercard International Incorporated
18304822 LIQUIDITY AND SECURITY MECHANISMS AS PART OF A UNIFIED CRYPTOGRAPHIC WALLET Non-Final OA Block, Inc.
18343943 SYSTEMS AND METHODS FOR OPTIMIZED ROUTING OF ELECTRONIC TRANSACTIONS ACROSS MULTIPLE ACQUIRER PROCESSORS Non-Final OA Worldpay, LLC
17828507 METHOD AND APPARATUS FOR FACILITATING AN AGGREGATED MARKETPLACE FOR PROVIDING FINANCING OFFERS IN AN ONLINE COMMERCIAL ECOSYSTEM Final Rejection Affirm, Inc.
17401938 System, Method and Apparatus for Making Credit Decisions at a User-Level Final Rejection Affirm, Inc.
18512380 SYSTEMS AND METHODS FOR CREATING AND MANAGING COLLATERALIZED MUNICIPAL LOAN OBLIGATIONS Final Rejection 2GenPen LLC
18500065 SYSTEM AND METHOD FOR AUTOMATED FUNDS MOVEMENT FOR CREDIT CARD EXPENDITURES Final Rejection ActiveHours, Inc.
18057866 MACHINE LEARNING SYSTEMS AND METHODS FOR PROCESSING DATA FOR HEALTHCARE APPLICATIONS Non-Final OA DocVocate, Inc.
17747059 METHODS AND SYSTEMS FOR INVESTMENT SCORING AND RANKING Non-Final OA KOHLBERG KRAVIS ROBERTS & CO. L.P.

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