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Last updated: August 18, 2026

Examiner: MALKOWSKI, MARK A

Tech Center 3600 • Art Units: 3600 3692 3695 3696

This examiner grants 47% of resolved cases

Performance Statistics

47.0%

Allow Rate

-5.0% vs TC avg

89

Total Applications

+9.1%

Interview Lift

1230

Avg Prosecution Days

Based on 66 resolved cases, 2023–2026

Rejection Statute Breakdown

40.7%

§101 Eligibility

5.2%

§102 Novelty

30.4%

§103 Obviousness

22.8%

§112 Clarity

Currently Pending Office Actions

App #	Title	Status	Assignee
18584665	TRANSFERRING MONEY USING ELECTRONIC MESSAGES	Final Rejection	Block, Inc.
17948658	Interoperable Token Issuance and Use in Transaction Processing	Final Rejection	PayPal, Inc.
19191992	METHOD AND SYSTEM WITH AGGREGATE DATA PROCESSING	Non-Final OA	Visa International Service Association
17752702	Automobile Monitoring Systems and Methods for Detecting Damage and Other Conditions	Final Rejection	STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
18374671	MONEY HANDLING SYSTEM AND MONEY HANDLING METHOD	Final Rejection	Glory Ltd.
19228751	SETTLEMENT SYSTEM, WEARABLE DEVICE, PROCESSING EXECUTION METHOD, AND INFORMATION STORAGE MEDIUM	Non-Final OA	Rakuten Group, Inc.
17401938	System, Method and Apparatus for Making Credit Decisions at a User-Level	Final Rejection	Affirm, Inc.
18343943	SYSTEMS AND METHODS FOR OPTIMIZED ROUTING OF ELECTRONIC TRANSACTIONS ACROSS MULTIPLE ACQUIRER PROCESSORS	Non-Final OA	Worldpay, LLC

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