Prosecution Insights
Last updated: August 17, 2026

Examiner: WARDEN, MICHAEL J

Tech Center 3600 • Art Units: 3693 3694

This examiner grants 25% of resolved cases

Performance Statistics

25.2%
Allow Rate
-26.8% vs TC avg
276
Total Applications
+23.1%
Interview Lift
1340
Avg Prosecution Days
Based on 246 resolved cases, 2023–2026

Rejection Statute Breakdown

41.9%
§101 Eligibility
6.3%
§102 Novelty
26.2%
§103 Obviousness
22.7%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
17889234 REAL-TIME PROVISIONING OF TARGETED DIGITAL CONTENT ASSOCIATED WITH FUTURE DATA EXCHANGES BASED ON STRUCTURED MESSAGING DATA Non-Final OA The Toronto-Dominion Bank
18967342 SYSTEMS AND METHODS FOR RADIO FREQUENCY-BASED TRANSACTIONS Non-Final OA Mastercard International Incorporated
17951520 SYSTEMS AND METHODS FOR USE IN BIOMETRIC INTERACTIONS Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
19298467 PRIORITIZED DATABASE SEARCH BASED ON IMMINENT INTERACTION Non-Final OA Capital One Services, LLC
18756097 SYSTEM AND METHOD FOR AUGMENTED REALITY DISPLAY OF ACCOUNT INFORMATION Final Rejection Capital One Services, LLC
18655742 MULTI-FACTOR AUTHENTICATION (MFA) ARRANGEMENTS FOR DYNAMIC VIRTUAL TRANSACTION TOKEN GENERATION VIA BROWSER EXTENSION Final Rejection Capital One Services, LLC
18706075 A COMPUTER IMPLEMENTED METHOD AND SYSTEM Final Rejection nChain Licensing AG
18938211 Systems, Devices, and Methods for Generating Personalized Electronic Documents Non-Final OA Walmart Apollo, LLC
18654830 CRYPTOCURRENCY TRANSACTION BACKUP SYSTEM Final Rejection PAYPAL, INC.
18515907 SYSTEM AND METHOD FOR FACILITATING STREAMLINED COMMUNICATION BETWEEN SYSTEM COMPONENTS VIA DYNAMIC GENERATION OF UNIQUE IDENTIFIERS Final Rejection JPMorgan Chase Bank, N.A.
18645766 Detecting Fraudulent Optical Tone Transactions Received by Client Using Spiking Neural Network and Quantum Sensors Non-Final OA Bank of America Corporation
16843495 FLEXIBLE ENGINE FOR PROCESSING STORED VALUE PAYMENT VEHICLES Non-Final OA Worldpay, LLC
19177989 SYSTEMS AND METHODS FOR MOBILE DIGITAL CURRENCY FUTURE EXCHANGE Non-Final OA HDR SG PTE. LTD.

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