Prosecution Insights
Last updated: April 19, 2026

Examiner: SHAH, BHAVIN D

Tech Center 3600 • Art Units: 2121 3693 3694

This examiner grants 40% of resolved cases

Performance Statistics

40.4%
Allow Rate
-11.6% vs TC avg
171
Total Applications
+22.2%
Interview Lift
948
Avg Prosecution Days
Based on 141 resolved cases, 2023–2026

Rejection Statute Breakdown

56.7%
§101 Eligibility
2.6%
§102 Novelty
33.7%
§103 Obviousness
6.1%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18336752 EXPLAINING ADVERSE ACTIONS IN CREDIT DECISIONS USING SHAPLEY DECOMPOSITION Non-Final OA Wells Fargo Bank, N.A.
19005308 PAYMENT DELEGATION AND LINKING SYSTEM Non-Final OA Capital One Services, LLC
18917248 SYSTEMS AND METHODS FOR FRAUD REDUCTION THROUGH MULTI-BUSINESS AUTHENTICATION Non-Final OA Capital One Services, LLC
18962321 SYSTEMS AND METHODS FOR CROSS PLATFORM SYNCHRONIZED PAYMENT SETTLEMENT Non-Final OA JPMORGAN CHASE BANK, N.A.
18747992 PREDICTING WHETHER A TRANSACTION OF A DIGITAL CURRENCY STORED IN A BLOCKCHAIN IS FRAUDULENT Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18303306 CLIENT-SIDE TRANSACTION MODIFICATIONS Non-Final OA American Express Travel Related Services Company, Inc.
18481145 GENERATING PORTFOLIO CHANGES BASED ON UPCOMING LIFE EVENT Non-Final OA The Toronto-Dominion Bank
18945660 System, Method, and Computer Program Product for Authorization Based on Predicted Settlement Position Final Rejection Visa International Service Association
18317849 INSTALLMENTS SYSTEM AND METHOD Final Rejection Visa International Service Association
18122482 MACHINE-LEARNING-BASED BUDGET UTILIZATION PREDICTOR Non-Final OA SAP SE
18951112 SYSTEM & METHOD TO DETECT FRAUDULENT OR ABUSIVE BEHAVIOR AS PART OF MEDICAL RECORD AND MEDICATION MANAGEMENT Non-Final OA Better Care Technologies, LLC
18591671 SYSTEMS AND METHODS FOR UTILIZING ARTIFICIAL INTELLIGENCE MODELS TO PREVENT FRAUDULENT ACTIVITIES Non-Final OA Verizon Patent and Licensing Inc.
18891122 METHOD AND APPARATUS FOR ANALYZING UNSTRUCTURED DATA TO CONDITION SIGNALS FOR FACILITATING PROVISION OF MERCHANT LOSS PREVENTION Final Rejection Affirm, Inc.
18622642 SYSTEMS AND METHODS FOR KIOSK PLATFORMS Final Rejection BTMIQ LLC
18402470 TECHNOLOGIES FOR CREATING NON-FUNGIBLE TOKENS FOR KNOW YOUR CUSTOMER AND ANTI-MONEY LAUNDERING Final Rejection FORTIOR SOLUTIONS, LLC
18366361 SYSTEMS AND METHODS FOR PROVIDING AUTOMATED DRIVER EVALUATION FROM MULTIPLE SOURCES Non-Final OA Safety Holdings, Inc.

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