Prosecution Insights
Last updated: August 18, 2026

Examiner: YONO, RAVEN E

Tech Center 3600 • Art Units: 3691 3694

This examiner grants 40% of resolved cases

Performance Statistics

39.6%
Allow Rate
-12.4% vs TC avg
217
Total Applications
+32.8%
Interview Lift
974
Avg Prosecution Days
Based on 182 resolved cases, 2023–2026

Rejection Statute Breakdown

41.1%
§101 Eligibility
3.0%
§102 Novelty
31.5%
§103 Obviousness
20.8%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18898413 SYSTEMS AND METHODS FOR REAL-TIME BILLER POSTING SERVICES Non-Final OA Wells Fargo Bank, N.A.
18625789 SYSTEMS AND METHODS FOR EMOTIONALLY ADAPTIVE FINANCIAL CHATBOT Non-Final OA Wells Fargo Bank, N.A.
18423688 SYSTEMS AND METHODS FOR BORROWED BANKING ACCESS Final Rejection Wells Fargo Bank, N.A.
18594316 SYSTEMS AND METHODS FOR EXECUTING AN AUTHENTICATION MODULE Final Rejection The Toronto-Dominion Bank
18371946 INFORMATION PROCESSING DEVICE, INSURANCE PREMIUM DETERMINATION METHOD, AND SYSTEM Non-Final OA Panasonic Intellectual Property Management Co., Ltd.
18947214 SYSTEMS AND METHODS FOR TRANSACTION PRE-AUTHENTICATION Final Rejection Mastercard International Incorporated
18857640 A MULTIPLE PAYMENT TOKENIZED DIGITAL TRANSACTION AUTHENTICATION METHOD Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18666707 SYSTEMS AND METHODS FOR DISTRIBUTING NETWORK SERVICES Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18665303 MACHINE LEARNING BASED SYSTEMS AND METHODS FOR DETECTING AND CORRECTING MISCLASSIFIED DATA Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18301021 ENHANCED DATA MESSAGING SYSTEMS AND METHODS FOR AUTHENTICATING AN IDENTITY OF ONLINE USERS Final Rejection MASTERCARD INTERNATIONAL INCORPORATED
18986426 ENHANCED AND EFFICIENT DATA FLOW Final Rejection Visa International Service Association
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION Final Rejection Visa International Service Association
18438505 TRANSACTION PROCESSOR TESTING METHOD AND SYSTEM Non-Final OA Visa International Service Association
19184345 TRANSLATING PROTOCOLS FOR WIRE REQUESTS IN A COMPUTING ENVIRONMENT Non-Final OA Truist Bank
18692352 SYSTEMS AND METHODS FOR MAINTENANCE SERVICES Final Rejection KONINKLIJKE PHILIPS N.V.
18952683 SYSTEMS AND METHODS FOR PREDICTING TRIP DATA Non-Final OA Quanata, LLC
18404070 GENERATIVE ARTIFICIAL INTELLIGENCE FOR LOANS Non-Final OA TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA
18753226 SYSTEMS AND METHODS FOR REAL-TIME DYNAMIC SECURED PAYMENT INSTRUMENT PROCESSING Non-Final OA Synchrony Bank
18765480 ADVANCED COACHING AND ARTIFICIAL INTELLIGENCE REFINEMENT Non-Final OA Avaya Management L.P.
18639527 CONDITION-BASED DATA TRANSACTIONS Final Rejection Motorola Mobility LLC

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