Prosecution Insights
Last updated: April 19, 2026

Examiner: PARK, YONG S

Tech Center 3600 • Art Units: 3694 3695 3697

This examiner grants 24% of resolved cases

Performance Statistics

24.5%
Allow Rate
-27.5% vs TC avg
259
Total Applications
+11.4%
Interview Lift
1238
Avg Prosecution Days
Based on 220 resolved cases, 2023–2026

Rejection Statute Breakdown

47.3%
§101 Eligibility
5.1%
§102 Novelty
35.5%
§103 Obviousness
10.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18829749 DIGITAL FINANCIAL MANAGEMENT OF FINANCIAL PAYMENT INSTRUMENT WITH USER-ENABLED TEMPORARY SPEND LIMIT Final Rejection Truist Bank
18815129 ENTITY AUTHENTICATION THROUGH AN INFORMATION STORAGE AND COMMUNICATION SYSTEM Non-Final OA Wells Fargo Bank, N.A.
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
18920645 GENERATIVE ARTIFICIAL INTELLIGENCE BASED SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA WHILE MAINTAINING DATA SECURITY Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18111713 OPTIMIZING ALLOCATION OF TRANSACTION ALERTS Non-Final OA International Business Machines Corporation
18071006 Management of an electronic wallet associated with a shared connected piece of equipment Final Rejection Orange
18698749 METHODS AND SYSTEMS FOR DISTRIBUTED BLOCKCHAIN FUNCTIONALITIES Final Rejection nChain Licensing AG
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
17664776 GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL Final Rejection Chime Financial, Inc.
18641792 SYSTEM AND METHODS OF SECURE BUSINESS-TO-BUSINESS TRANSACTIONS Final Rejection Dell Products L.P.
16518800 SECURE ELECTRONIC BILLING WITH REAL-TIME FUNDS AVAILABILITY Final Rejection Early Warning Services, LLC
15851548 PROVIDING SECURITY IN ELECTRONIC REAL-TIME TRANSACTIONS Non-Final OA Early Warning Services, LLC
17832551 Reinforcement Learning Based Machine Retirement Planning and Management Apparatuses, Processes and Systems Final Rejection FMR LLC
18237929 IMPAIRED MODE FOR A MOBILE DEVICE Final Rejection Motorola Mobility LLC
18046195 USAGE OF EMOTION RECOGNITION IN TRADE MONITORING Non-Final OA Actimize LTD.
18291533 METHOD OF ASSETS ALLOCATION AND SYSTEM THEREOF Non-Final OA POW SARL-S
18575508 NUMISMATIST SYSTEM Final Rejection U.S. MONEY RESERVE Inc.
18094042 PERSONAL FINANCIAL MANAGEMENT AND COACHING TOOL Final Rejection Ahora Inc.

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