Prosecution Insights
Last updated: April 19, 2026

Examiner: WARDEN, MICHAEL J

Tech Center 3600 • Art Units: 3693 3694

This examiner grants 25% of resolved cases

Performance Statistics

24.7%
Allow Rate
-27.3% vs TC avg
270
Total Applications
+22.0%
Interview Lift
1191
Avg Prosecution Days
Based on 239 resolved cases, 2023–2026

Rejection Statute Breakdown

42.1%
§101 Eligibility
7.9%
§102 Novelty
25.1%
§103 Obviousness
20.8%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
14574930 LARGE LIQUIDITY SEEKING TRADING PLATFORM Final Rejection NYSE Group, Inc.
18655742 MULTI-FACTOR AUTHENTICATION (MFA) ARRANGEMENTS FOR DYNAMIC VIRTUAL TRANSACTION TOKEN GENERATION VIA BROWSER EXTENSION Final Rejection Capital One Services, LLC
18515907 SYSTEM AND METHOD FOR FACILITATING STREAMLINED COMMUNICATION BETWEEN SYSTEM COMPONENTS VIA DYNAMIC GENERATION OF UNIQUE IDENTIFIERS Final Rejection JPMorgan Chase Bank, N.A.
17951520 SYSTEMS AND METHODS FOR USE IN BIOMETRIC INTERACTIONS Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18084829 METHOD OF ALLOWING SELECTABLE CURRENCY WITHIN AN ACCOUNT Final Rejection American Express Travel Related Services Company, Inc.
18654830 CRYPTOCURRENCY TRANSACTION BACKUP SYSTEM Non-Final OA PAYPAL, INC.
17823014 Methods for Conditional Transaction Tokens, Secure Sharing of Token Assets, Wallet Spam Protection, and User Interfaces for Acceptance of Terms Final Rejection Artema Labs, Inc
18706075 A COMPUTER IMPLEMENTED METHOD AND SYSTEM Final Rejection nChain Licensing AG
17992310 SYSTEM AND METHOD FOR VALIDATING A PRICE CALCULATION Final Rejection The Toronto-Dominion Bank
16843495 FLEXIBLE ENGINE FOR PROCESSING STORED VALUE PAYMENT VEHICLES Final Rejection Worldpay, LLC
18315156 SYSTEMS AND METHODS FOR RESOURCE DISBURSEMENT ASSOCIATED WITH DUAL-FEATURE PAYMENT INSTRUMENTS Non-Final OA Synchrony Bank
18484421 DISASTER DETECTION AND RECOVERY Final Rejection VIVINT, INC.
18246435 SYSTEM AND METHOD OF SERVICE THROUGH A DISTRIBUTED LEDGER Non-Final OA JIO PLATFORMS LIMITED
18638350 METHODS AND SYSTEMS FOR CREDIT BUILDING Final Rejection Credit Sesame, Inc.
18678490 SYSTEM AND METHOD FOR MANAGING PRODUCT OWNERSHIP Non-Final OA Vera Services Inc.
18593517 SYSTEMS AND METHODS TO QUANTIFY AND DIFFERENTIATE INDIVIDUAL INSURANCE RISK ACTUAL DRIVING BEHAVIOR AND DRIVING ENVIRONMENT Final Rejection STATE FARM NUTUAL AUTOMOBILE INSURANCE COMPANY
18394972 INFORMATION DISPLAY Non-Final OA ALIPAY.COM CO., LTD.
18540831 COMPUTER IMPLEMENTED TECHNIQUES FOR FACILITATING KYC AND JURISDICTIONAL REGULATORY COMPLIANCE VERIFICATIONS OF PSEUDONYMIZED OR ANONYMIZED USERS Non-Final OA EVLINE
16525873 TIERED ACCESS TO DOCUMENTS IN A DIGITAL WALLET Final Rejection HRB Innovations, Inc.

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