Prosecution Insights
Last updated: April 19, 2026

Examiner: SHARON, AYAL I

Tech Center 3600 • Art Units: 3689 3695

This examiner grants 43% of resolved cases

Performance Statistics

43.3%
Allow Rate
-8.7% vs TC avg
246
Total Applications
+28.4%
Interview Lift
1345
Avg Prosecution Days
Based on 203 resolved cases, 2023–2026

Rejection Statute Breakdown

35.2%
§101 Eligibility
10.6%
§102 Novelty
30.7%
§103 Obviousness
14.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18392951 COMPUTING SYSTEM TO PROACTIVELY GENERATE REFINANCE OFFERS Non-Final OA Wells Fargo Bank, N.A.
18778288 SYSTEMS AND METHODS FOR SECURING RISK IN BLOCKCHAIN NETWORKS Final Rejection Capital One Services, LLC
18624439 TRAINING A NEURAL NETWORK MODEL FOR RECOGNIZING HANDWRITTEN SIGNATURES BASED ON DIFFERENT CURSIVE FONTS AND TRANSFORMATIONS Final Rejection Capital One Services, LLC
18929686 DATA PROCESSING METHOD AND APPARATUS BASED ON MULTI-BLOCKCHAIN, ELECTRONIC DEVICE, COMPUTER-READABLE STORAGE MEDIUM, AND COMPUTER PROGRAM PRODUCT Final Rejection TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
19052236 INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, AND INFORMATION STORAGE MEDIUM Non-Final OA RAKUTEN GROUP, INC.
19098347 INTEGRATED CLAIMS PROCESSING HUB Non-Final OA Visa International Service Association
19034888 REAL-TIME RISK BASED PAYMENT DECISION SERVICE FOR TRANSIT SYSTEM Non-Final OA Visa International Service Association
18972603 MOBILE SERVICES REMOTE DEPOSIT CAPTURE Non-Final OA VISA INTERNATIONAL SERVICE ASSOCIATION
17982839 SYSTEMS AND METHODS OF MODELING GEOLOGICAL FACIES FOR WELL DEVELOPMENT Non-Final OA ConocoPhillips Company
19047807 CRYPTOCURRENCY PAYMENT SYSTEM PAYMENTS BACKED BY ASSIGNABLE TOKENS Non-Final OA Flexa Inc.
18153703 UTILIZING A DEPOSIT TRANSACTION PREDICTOR MODEL TO DETERMINE FUTURE NETWORK TRANSACTIONS Non-Final OA Chime Financial, Inc.
19046689 APPARATUS FOR HIGH-FREQUENCY POLICY UNDERWRITING SYSTEM FOR REAL-TIME DYNAMIC PRICING Non-Final OA TeleLingo LLC dba. dreyev
18946787 DYNAMIC TRANSACTION SYSTEM Non-Final OA ODDITT, INC.
17431920 Method for processing a payment transaction, and corresponding device, system and programs Final Rejection BANKS AND ACQUIRERS INTERNATIONAL HOLDING
17723871 METHOD AND APPARATUS FOR FACILITATING ONBOARDING OF MERCHANTS INTO AN ONLINE COMMERCIAL ECOSYSTEM Final Rejection Affirm, Inc.
18890562 INTEGRATED PLATFORM FOR DIGITAL ASSET REGISTRATION, TRACKING AND VALIDATION Non-Final OA Figure Lending Corporation
17992544 BENEFITS FOR RETAIL PURCHASES EMPLOYING DEBIT CARD ASSOCIATED WITH GAMING ESTABLISHMENT ACCOUNT MANAGEMENT SYSTEM Final Rejection IGT
18785579 DERIVING TARGET PRICE INDICATORS TO OVERLAY ON A GRAPHICAL USER INTERFACE OF HISTORICAL PRICE VALUES WITH AVAILABLE CLICK-BASED AUTOMATED TRADING Non-Final OA Updata Limited
18774965 SYSTEM AND METHOD FOR STREAMLINING PRE-APPROVAL OF VEHICLE FINANCING WITH ENHANCED USER EXPERIENCE Final Rejection ATOLOANS
18627424 METHOD AND SYSTEM FOR PROVIDING AUTO LOANS FOR RIDESHARE DRIVERS Non-Final OA ACC CONSUMER FINANCE LLC
18608989 COMPUTING SYSTEM HAVING BLOCKCHAIN BASED TRANSACTION SYSTEM Final Rejection KEO RAILS LLC
18398224 MACHINE LEARNING BASED SYSTEMS AND METHODS FOR MAPPING FINANCIAL INFORMATION Non-Final OA HIGHRADIUS CORPORATION
17784626 Interactive Stochastic Design Tool Final Rejection Applied Underwriters, Inc.
15697799 LOAN PROCESSING SERVICE UTILIZING A DISTRIBUTED LEDGER DIGITAL ASSET AS COLLATERAL Non-Final OA Ripio Holding
15145721 LOAN PROCESSING SERVICE UTILIZING A DISTRIBUTED LEDGER DIGITAL ASSET Non-Final OA Ripio Holding

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