Prosecution Insights
Last updated: April 19, 2026

Examiner: PHAN, NICHOLAS K

Tech Center 3600 • Art Units: 3685 3699

This examiner grants 52% of resolved cases

Performance Statistics

51.9%
Allow Rate
At TC average
164
Total Applications
+21.2%
Interview Lift
1289
Avg Prosecution Days
Based on 131 resolved cases, 2023–2026

Rejection Statute Breakdown

32.9%
§101 Eligibility
7.6%
§102 Novelty
42.8%
§103 Obviousness
9.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18331312 MULTI-CHANNEL ELECTRONIC TRANSACTION COMMUNICATIONS USING REDUCED RESOURCES Non-Final OA Truist Bank
18129148 HIGH-SECURITY TOGGLE SYSTEM FOR PAYMENT INSTRUMENT DISPLAY Non-Final OA Bank of America Corporation
18142495 SYSTEM AND METHOD FOR PRODUCT CERTIFICATION MANAGEMENT Non-Final OA Walmart Apollo, LLC
16932657 Electronic Transaction Method and Device Using a Flexible Transaction Identifier Non-Final OA Mastercard International Incorporated
17821444 Systems and Methods for Management of Token Interactions Final Rejection Artema Labs, Inc
18498398 TOKEN BASED APPROACH FOR PROVIDING CERTIFIED REVIEWS ON THIRD-PARTY REVIEW SERVICES Final Rejection INTUIT INC.
17536866 MULTI-APPROVAL SYSTEM USING M OF N KEYS TO RESTORE A CUSTOMER WALLET Non-Final OA tZERO IP, LLC
18054330 SYSTEMS AND METHODS FOR A CONTEXT-DRIVEN ELECTRONIC TRANSACTIONS FRAUD DETECTION Non-Final OA Worldpay, LLC
17574460 SYSTEMS AND METHODS FOR A CONTEXT-DRIVEN ELECTRONIC TRANSACTIONS FRAUD DETECTION Final Rejection Worldpay, LLC
18379129 SYSTEM AND METHOD FOR SPECULATIVE ATTESTATION AND ASSOCIATED TECHNIQUES Non-Final OA NOK NOK LABS, INC.
18337976 CONTROLLING GAMING MOMENTS VIA GAMING SYSTEM(S) Final Rejection LNW Gaming, Inc.
18129572 TRANSFER OF LIQUID STAKING TOKENS Final Rejection Coinbase, Inc.
18122650 WEB3 TRANSFER PROTOCOL Final Rejection Coinbase, Inc.
15796166 SYSTEMS AND METHODS FOR CONSUMER MODIFIABLE PAYMENT CARD TRANSACTIONS Non-Final OA Blackhawk Network, Inc.
18101435 SYSTEMS AND METHODS FOR INSTANT MERCHANT ACTIVATION FOR SECURED IN-PERSON PAYMENTS AT POINT OF SALE Final Rejection WePay, Inc.
18146017 ENERGY TRADING SYSTEM Non-Final OA Hygge Energy Inc.

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