Prosecution Insights
Last updated: May 29, 2026

Examiner: PARK, YONG S

Tech Center 3600 • Art Units: 3694 3695 3697

This examiner grants 26% of resolved cases

Performance Statistics

25.8%
Allow Rate
-26.2% vs TC avg
261
Total Applications
+11.8%
Interview Lift
1285
Avg Prosecution Days
Based on 225 resolved cases, 2023–2026

Rejection Statute Breakdown

23.7%
§101 Eligibility
2.7%
§102 Novelty
71.3%
§103 Obviousness
0.5%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18228058 ASSET INVOKED REACTION INDICATION Non-Final OA Capital One Services, LLC
18315604 SYSTEMS AND METHODS FOR VIRTUAL CARD DECLINE NOTIFICATIONS Final Rejection Capital One Services, LLC
18118945 SYSTEMS AND METHODS TO SECURE OPEN LOOP AUTHENTICATION ON PRIVATE LABEL CREDIT CARDS Non-Final OA Capital One Services, LLC
17494373 SYSTEM FOR VALUE LOADING ONTO IN-VEHICLE DEVICE Non-Final OA Capital One Services, LLC
18829749 DIGITAL FINANCIAL MANAGEMENT OF FINANCIAL PAYMENT INSTRUMENT WITH USER-ENABLED TEMPORARY SPEND LIMIT Final Rejection Truist Bank
18641792 SYSTEM AND METHODS OF SECURE BUSINESS-TO-BUSINESS TRANSACTIONS Non-Final OA Dell Products L.P.
18920645 GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18353517 RAPID SECURE WIRELESS TRANSACTION Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18350639 SYSTEMS AND METHODS FOR PREDICTING PARAMETERS AND TIMING OF A COMPUTER MESSAGE Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18111713 OPTIMIZING ALLOCATION OF TRANSACTION ALERTS Non-Final OA International Business Machines Corporation
18216346 Generative Artificial Intelligence as an Automated Investment Advising System Final Rejection STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
17869358 SYSTEMS AND METHODS FOR PRIORITIZING TASKS IN AN INVENTORY Final Rejection State Farm Mutual Automobile Insurance Company
17484027 AUTOMATED WORKFLOW SELECTION FOR RISK RELATIONSHIP RESOURCE ALLOCATION TOOL Final Rejection HARTFORD FIRE INSURANCE COMPANY
17664776 GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL Final Rejection Chime Financial, Inc.
18071006 Management of an electronic wallet associated with a shared connected piece of equipment Final Rejection Orange
18978740 SYSTEM AND METHODS FOR MANAGING FINANCIAL PRODUCTS RELATED TO A FUTURE EVENT OR CONDITION Non-Final OA CFPH, LLC
15851548 PROVIDING SECURITY IN ELECTRONIC REAL-TIME TRANSACTIONS Non-Final OA Early Warning Services, LLC
17355725 System, Method and Apparatus for Modeling Loan Transitions Final Rejection Affirm, Inc.
18237929 IMPAIRED MODE FOR A MOBILE DEVICE Final Rejection Motorola Mobility LLC
17832551 Reinforcement Learning Based Machine Retirement Planning and Management Apparatuses, Processes and Systems Final Rejection FMR LLC
18291533 METHOD OF ASSETS ALLOCATION AND SYSTEM THEREOF Non-Final OA POW SARL-S
18534785 MODULAR SYSTEM AND TOOLS FOR EQUITABLE ACCESS TO STANDARD OF LIVING AND ECONOMIC OPPORTUNITIES Non-Final OA AGT LLC holdings
18094042 PERSONAL FINANCIAL MANAGEMENT AND COACHING TOOL Final Rejection Ahora Inc.

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