Prosecution Insights
Last updated: May 29, 2026

Examiner: MILLER, JAMES H

Tech Center 3600 • Art Units: 3691 3694

This examiner grants 40% of resolved cases

Performance Statistics

40.5%
Allow Rate
-11.5% vs TC avg
234
Total Applications
+34.2%
Interview Lift
1314
Avg Prosecution Days
Based on 195 resolved cases, 2023–2026

Rejection Statute Breakdown

14.4%
§101 Eligibility
2.4%
§102 Novelty
75.5%
§103 Obviousness
6.2%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
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
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.
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
18323882 SYSTEMS AND METHODS FOR CODE-BASED CHECK AUTHENTICATION AND CLEARANCE Final Rejection JPMORGAN CHASE BANK, N.A.
18761356 SALES DATA PROCESSING SYSTEM Non-Final OA TOSHIBA TEC KABUSHIKI KAISHA
18450609 IN-VEHICLE PAYMENT SYSTEM AND METHOD Non-Final OA Aisin Corporation
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
18703301 Method and Device of Verifying Anomalous Digital Currency Transaction Non-Final OA DIGITAL CURRENCY INSTITUTE, THE PEOPLE'S BANK OF CHINA
18643501 SYSTEM AND METHOD FOR PROCESSING RETAIL RETURNS Final Rejection TARGET BRANDS, INC.
17856648 ADVANCED LEARNING SYSTEM FOR DETECTION AND PREVENTION OF MONEY LAUNDERING Non-Final OA FAIR ISAAC CORPORATION
18216687 COMMUNICATION WITH A BANK TELLER Final Rejection DIGITAL FIRST HOLDINGS LLC
18346073 RECOVERABLE TRANSACTIONS IN BLOCKCHAIN SYSTEMS VIA WRAPPED RECOVERABLE TOKENS Final Rejection Circle Internet Financial Limited
18124756 ALERT MANAGEMENT SYSTEM WITH REAL-TIME REMEDIATION AND INTEGRATION WITH THE OVERDRAFT ALLOWANCE ORIGINATING SYSTEM Non-Final OA Double Check Solutions, Inc.
15394690 SEAMLESS INTEGRATION OF FINANCIAL INFORMATION WITHIN A MOBILE RETAIL APPLICATION FRAMEWORK Non-Final OA Comenity LLC

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