Prosecution Insights
Last updated: August 17, 2026

Examiner: RANKINS, WILLIAM E

Tech Center 3600 • Art Units: 3684 3691 3694 3696

This examiner grants 58% of resolved cases

Performance Statistics

57.7%
Allow Rate
+5.7% vs TC avg
829
Total Applications
+8.2%
Interview Lift
1214
Avg Prosecution Days
Based on 790 resolved cases, 2023–2026

Rejection Statute Breakdown

35.7%
§101 Eligibility
7.6%
§102 Novelty
27.2%
§103 Obviousness
26.2%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
19208383 SYSTEMS AND METHODS FOR CROSS-BORDER PAYMENTS VIA DISTRIBUTED LEDGER-BASED PAYMENT RAIL Non-Final OA Wells Fargo Bank, N.A.
18667713 APPARATUSES, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR EVENT-BASED PAYMENT ORCHESTRATION Non-Final OA Wells Fargo Bank, N.A.
18644024 SYSTEMS AND METHODS FOR NATIVE, NON-NATIVE, AND HYBRID REGISTRATION AND USE OF TAGS FOR REAL-TIME SERVICES Final Rejection Wells Fargo Bank, N.A.
18424548 SYSTEMS AND METHODS FOR DEPOSIT TRANSFER CUSTOMIZATION Non-Final OA Wells Fargo Bank, N.A.
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.
18934240 SERVER APPARATUS Non-Final OA TOYOTA JIDOSHA KABUSHIKI KAISHA
18780453 METHODS AND SYSTEMS FOR MANAGING DEFAULT RISK ASSOCIATED WITH TRANSIT TRANSACTIONS Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18786383 PHYSICAL, LOGICAL SEPARATION OF BALANCES OF FUNDS Non-Final OA Block, Inc.
18406014 TECHNIQUES FOR ONBOARDING AND VERIFICATION OF USERS TO A SERVICES PLATFORM Non-Final OA Capital One Services, LLC
18986181 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Final Rejection The PNC Financial Services Group, Inc.
18985990 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Final Rejection The PNC Financial Services Group, Inc.
18982273 SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA Final Rejection 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.
18824330 SYSTEMS AND METHODS FOR ISSUANCE AND USE OF PRIVATE EQUITY TOKENS Final Rejection JPMORGAN CHASE BANK, N.A.
18845853 PRIVACY-PRESERVING DETECTION FOR DIRECTIONAL ELECTRONIC COMMUNICATIONS Final Rejection VISA INTERNATIONAL SERVICE ASSOCIATION
18596607 SYSTEM AND METHOD FOR IMPLEMENTING ENHANCED PAYMENT ON DELIVERY Final Rejection Visa International Service Association
19016645 IN-LINE VERIFICATION OF TRANSACTIONS Final Rejection Truist Bank
18772860 CREATING AND MANAGING A DATA BASE OF TEMPORARY FILES WITHIN DATA BASE FILE ENVIRONMENTS Final Rejection Truist Bank
18523473 SYSTEMS AND METHODS FOR ANALYZING CAPTURED BIOMETRIC DATA Final Rejection State Farm Mutual Automobile Insurance Company
18671090 RESPONSIBLE GAMING LIMITATIONS AND ELECTRONIC GAMING MACHINE ACTIVITY EMPLOYED TO REFUND FINANCIAL INSTITUTION FEES Non-Final OA IGT

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