Prosecution Insights
Last updated: April 19, 2026

Examiner: RANKINS, WILLIAM E

Tech Center 3600 • Art Units: 3684 3691 3694 3696

This examiner grants 58% of resolved cases

Performance Statistics

57.8%
Allow Rate
+5.8% vs TC avg
818
Total Applications
+8.7%
Interview Lift
1183
Avg Prosecution Days
Based on 779 resolved cases, 2023–2026

Rejection Statute Breakdown

35.6%
§101 Eligibility
8.0%
§102 Novelty
25.2%
§103 Obviousness
26.2%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18303281 URL-BASED DATA TRANSMISSION SYSTEMS AND METHODS FACILITATING DIGITAL DATA FORM ACCESS Final Rejection Truist Bank
19326447 PROXY CARD MANAGEMENT SYSTEM Non-Final OA PAYPULZ LLC
18667713 APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR EVENT-BASED PAYMENT ORCHESTRATION Final Rejection Wells Fargo Bank, N.A.
18644024 SYSTEMS AND METHODS FOR NATIVE, NON-NATIVE, AND HYBRID REGISTRATION AND USE OF TAGS FOR REAL-TIME SERVICES Non-Final OA Wells Fargo Bank, N.A.
18424548 SYSTEMS AND METHODS FOR DEPOSIT TRANSFER CUSTOMIZATION Non-Final OA Wells Fargo Bank, N.A.
18632605 REAL-TIME DOCUMENT TYPE DETERMINATION Non-Final OA Capital One Services, LLC
18406014 TECHNIQUES FOR ONBOARDING AND VERIFICATION OF USERS TO A SERVICES PLATFORM Final Rejection Capital One Services, LLC
18151947 SYSTEMS AND METHODS FOR VALIDATING REPEATING DATA Final Rejection Mastercard International Incorporated
18596551 AUTOMATED NON-BILLING CYCLE REMITTANCE Final Rejection American Express Travel Related Services Company, Inc.
18096368 RISK LEVEL FOR MODIFYING SECURITY SAFEGUARDS Non-Final OA American Express Travel Related Services Company, Inc.
18786383 PHYSICAL, LOGICAL SEPARATION OF BALANCES OF FUNDS Final Rejection Block, Inc.
18934240 SERVER APPARATUS Non-Final OA TOYOTA JIDOSHA KABUSHIKI KAISHA
18845853 PRIVACY-PRESERVING DETECTION FOR DIRECTIONAL ELECTRONIC COMMUNICATIONS Non-Final OA VISA INTERNATIONAL SERVICE ASSOCIATION
18835380 System, Method, and Computer Program Product for Interpreting Black Box Models for Payment Authorization Decisions Final Rejection Visa International Service Association
18332288 DYNAMIC DISCOUNTING SYSTEM AND METHOD Non-Final OA POLLEN, LLC
18985990 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Non-Final OA The PNC Financial Services Group, Inc.
18982273 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Non-Final OA The PNC Financial Services Group, Inc.
18977023 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Non-Final OA The PNC Financial Services Group, Inc.
18974380 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Non-Final OA The PNC Financial Services Group, Inc.
18968495 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Non-Final OA The PNC Financial Services Group, Inc.
18948639 SYSTEMS AND METHODS FOR AN ELECTRONIC TRANSFER DIRECTORY SERVICE FOR DISTILLATION OR DISTRIBUTION OF FILES Non-Final OA The PNC Financial Services Group, Inc.
18615131 SYSTEMS AND METHODS FOR AN ELECTRONIC TRANSFER DIRECTORY SERVICE FOR DISTILLATION OR DISTRIBUTION OF FILES Non-Final OA The PNC Financial Services Group, Inc.
18527083 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Non-Final OA The PNC Financial Services Group, Inc.
18560757 REIMBURSEMENT CODE-BASED ENTRUSTED WITH HOLDING PROCESSING Non-Final OA Alipay (Hangzhou) Information Technology Co., Ltd.
18384806 SYSTEM AND METHOD FOR AUTO-POPULATING ELECTRONIC TRANSACTION PROCESS Final Rejection ROYAL BANK OF CANADA
18807839 SYSTEM, METHOD AND APPARATUS FOR EMPLOYING MACHINE LEARNING TO PREVENT OVERDRAFT FEES Final Rejection Affirm, Inc.
18887457 METHOD AND APPARATUS FOR ORDER ENTRY IN AN ELECTRONIC TRADING SYSTEM Final Rejection NEX Services North America LLC
18671090 RESPONSIBLE GAMING LIMITATIONS AND ELECTRONIC GAMING MACHINE ACTIVITY EMPLOYED TO REFUND FINANCIAL INSTITUTION FEES Final Rejection IGT
18495487 BITWISE RULES MATCHING ENGINE Non-Final OA Brightree LLC
18273412 Payment System and Method for Improving Security Pricing Using Digital Tokens in a Closed Loop Final Rejection FairShares, Inc.

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