Prosecution Insights
Last updated: April 19, 2026

Examiner: MILLER, JAMES H

Tech Center 3600 • Art Units: 3691 3694

This examiner grants 40% of resolved cases

Performance Statistics

40.4%
Allow Rate
-11.6% vs TC avg
228
Total Applications
+36.6%
Interview Lift
1315
Avg Prosecution Days
Based on 193 resolved cases, 2023–2026

Rejection Statute Breakdown

35.7%
§101 Eligibility
5.2%
§102 Novelty
33.7%
§103 Obviousness
20.4%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
17930431 SYSTEMS AND METHODS FOR GENERATING AND UPDATING A VALUE OF PERSONAL POSSESSIONS OF A USER FOR INSURANCE PURPOSES Non-Final OA QUANATA, LLC
18742082 SYSTEMS AND METHODS FOR AUTOMATIC MOBILE DRIVER'S LICENSE-BASED TRANSACTION MANAGEMENT Final Rejection Wells Fargo Bank, N.A.
18764524 SYSTEM AND METHOD FOR PRICE MATCHING THROUGH RECEIPT CAPTURE Non-Final OA Capital One Services, LLC
18427662 SYSTEMS AND METHODS FOR DYNAMICALLY FUNDING TRANSACTIONS Non-Final OA Capital One Services, LLC
18529523 SYSTEMS AND METHODS FOR MANAGING FOREIGN TRANSACTIONS Final Rejection Capital One Services, LLC
18323882 SYSTEMS AND METHODS FOR CODE-BASED CHECK AUTHENTICATION AND CLEARANCE Final Rejection JPMORGAN CHASE BANK, N.A.
18809149 COMPUTER-IMPLEMENTED METHODS, SYSTEMS COMPRISING COMPUTER-READABLE MEDIA, AND ELECTRONIC DEVICES FOR PROVIDING FINANCIAL NETWORK LARGE LANGUAGE MODEL DYNAMIC OPEN BANKING SERVICES Non-Final OA Mastercard International Incorporated
18458782 DATA CUBE SYSTEMS AND METHODS FOR DYNAMIC RULE CREATION Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18608047 SCENARIO-BASED DECISIONING BY MACHINE LEARNING MODELS FOR DATA PROCESSING RETRY SUCCESS Non-Final OA PAYPAL, INC.
18235790 SYSTEMS AND METHODS FOR NETWORKING USER ACCOUNT DATA BETWEEN DIFFERENT ENTITIES Non-Final OA Stripe, LLC
18761356 SALES DATA PROCESSING SYSTEM Non-Final OA TOSHIBA TEC KABUSHIKI KAISHA
19120792 MONEY TRANSACTION SYSTEM, INFORMATION TERMINAL, COMPUTER PROGRAM, AND MONEY TRANSACTION METHOD Final Rejection Variety M-1 Inc.
18450609 IN-VEHICLE PAYMENT SYSTEM AND METHOD Non-Final OA Aisin Corporation
18643501 SYSTEM AND METHOD FOR PROCESSING RETAIL RETURNS Final Rejection TARGET BRANDS, INC.
18520144 MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS Non-Final OA Chime Financial, Inc.
19050712 SYSTEM AND METHOD FOR MONITORING ACTIVITIES OF CHILDREN USING A PIGGY BANK Non-Final OA MONKEEYS FINTECH PRIVATE LIMITED
18785133 SECURE TOKEN PROCESSING APPROACH FOR MANUFACTURING INVENTORY MANAGEMENT Non-Final OA ImageWorks Interactive
17856648 ADVANCED LEARNING SYSTEM FOR DETECTION AND PREVENTION OF MONEY LAUNDERING Non-Final OA FAIR ISAAC CORPORATION
18237032 SMART UNDERWRITING SYSTEM WITH FAST, PROCESSING-TIME OPTIMIZED, COMPLETE POINT OF SALE DECISION-MAKING AND SMART DATA PROCESSING ENGINE, AND METHOD THEREOF Non-Final OA Swiss Reinsurance Company Ltd.
18124756 ALERT MANAGEMENT SYSTEM WITH REAL-TIME REMEDIATION AND INTEGRATION WITH THE OVERDRAFT ALLOWANCE ORIGINATING SYSTEM Non-Final OA Double Check Solutions, Inc.
18097060 MULTI-LAYERED CREDIT CARD WITH TRANSACTION-DEPENDENT SOURCE SELECTION Non-Final OA LendingClub Bank, National Association
15394690 SEAMLESS INTEGRATION OF FINANCIAL INFORMATION WITHIN A MOBILE RETAIL APPLICATION FRAMEWORK Non-Final OA Comenity LLC
15341988 MOBILE CREDIT ACQUISITION WITH FORM POPULATION Final Rejection Comenity LLC
16789885 AUTOMATED MOTOR VEHICLE DEPARTMENT TRANSACTION SYSTEMS AND METHODS Non-Final OA MVD Specialists, LLC

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