Prosecution Insights
Last updated: May 29, 2026

Examiner: WARDEN, MICHAEL J

Tech Center 3600 • Art Units: 3693 3694

This examiner grants 25% of resolved cases

Performance Statistics

25.3%
Allow Rate
-26.7% vs TC avg
272
Total Applications
+22.8%
Interview Lift
1336
Avg Prosecution Days
Based on 241 resolved cases, 2023–2026

Rejection Statute Breakdown

32.6%
§101 Eligibility
6.1%
§102 Novelty
55.5%
§103 Obviousness
1.1%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
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
18522086 DISTRIBUTED NETWORK OF COMPUTING DEVICES FOR CREATING DIGITAL RECORDS OF PHYSICAL ITEMS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
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.
17992310 SYSTEM AND METHOD FOR VALIDATING A PRICE CALCULATION Final Rejection The Toronto-Dominion Bank
18515907 SYSTEM AND METHOD FOR FACILITATING STREAMLINED COMMUNICATION BETWEEN SYSTEM COMPONENTS VIA DYNAMIC GENERATION OF UNIQUE IDENTIFIERS Final Rejection JPMorgan Chase Bank, N.A.
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
18654830 CRYPTOCURRENCY TRANSACTION BACKUP SYSTEM Non-Final OA PAYPAL, INC.
18961696 METHOD OF OPERATION FOR A TRANSACTION PROCESSING SYSTEM AND AN AUTOMATED TRANSACTION MACHINE Non-Final OA Diebold Nixdorf, Incorporated
18679354 DETECTING FRAUDULENT DATA RECORDS WITH CONTRASTIVE LEARNING SEQUENCE MODELS Non-Final OA Stripe, Inc.
16843495 FLEXIBLE ENGINE FOR PROCESSING STORED VALUE PAYMENT VEHICLES Non-Final OA Worldpay, LLC
18246435 SYSTEM AND METHOD OF SERVICE THROUGH A DISTRIBUTED LEDGER Non-Final OA JIO PLATFORMS LIMITED
18484421 DISASTER DETECTION AND RECOVERY Final Rejection VIVINT, INC.
18394972 INFORMATION DISPLAY Non-Final OA ALIPAY.COM CO., LTD.
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
18540831 COMPUTER IMPLEMENTED TECHNIQUES FOR FACILITATING KYC AND JURISDICTIONAL REGULATORY COMPLIANCE VERIFICATIONS OF PSEUDONYMIZED OR ANONYMIZED USERS Non-Final OA EVLINE
18490917 INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD Non-Final OA DeCurret DCP Inc.
16525873 TIERED ACCESS TO DOCUMENTS IN A DIGITAL WALLET Final Rejection HRB Innovations, Inc.
14574930 LARGE LIQUIDITY SEEKING TRADING PLATFORM Final Rejection NYSE Group, Inc.

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