Prosecution Insights
Last updated: April 19, 2026

Examiner: YONO, RAVEN E

Tech Center 3600 • Art Units: 3694

This examiner grants 39% of resolved cases

Performance Statistics

39.4%
Allow Rate
-12.6% vs TC avg
207
Total Applications
+32.5%
Interview Lift
936
Avg Prosecution Days
Based on 175 resolved cases, 2023–2026

Rejection Statute Breakdown

40.5%
§101 Eligibility
3.0%
§102 Novelty
31.3%
§103 Obviousness
19.9%
§112 Clarity

Currently Pending Office Actions

App #TitleStatusAssignee
18404070 GENERATIVE ARTIFICIAL INTELLIGENCE FOR LOANS Final Rejection TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA
18898413 SYSTEMS AND METHODS FOR REAL-TIME BILLER POSTING SERVICES Final Rejection 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 Non-Final OA Wells Fargo Bank, N.A.
18238362 SYSTEMS AND METHODS FOR ESTABLISHING AND MAINTAINING A GROUP ACCOUNT Non-Final OA Wells Fargo Bank, N.A.
18232018 HEURISTIC IDENTIFICATION OF MISSING CAUSAL EVENTS Final Rejection Capital One Services, LLC
18371946 INFORMATION PROCESSING DEVICE, INSURANCE PREMIUM DETERMINATION METHOD, AND SYSTEM Non-Final OA Panasonic Intellectual Property Management Co., Ltd.
18857640 A MULTIPLE PAYMENT TOKENIZED DIGITAL TRANSACTION AUTHENTICATION METHOD Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18666707 SYSTEMS AND METHODS FOR DISTRIBUTING NETWORK SERVICES Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18595019 SYSTEM AND METHOD FOR PROVIDING BUY NOW, PAY LATER SERVICES TO A GROUP OF CONSUMERS Non-Final OA Mastercard International Incorporated
18239092 SYSTEMS AND METHODS FOR USE IN AUTHENTICATION, BASED ON NETWORK DETAILS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18301021 ENHANCED DATA MESSAGING SYSTEMS AND METHODS FOR AUTHENTICATING AN IDENTITY OF ONLINE USERS Non-Final OA MASTERCARD INTERNATIONAL INCORPORATED
18764203 INFORMATION PROCESSING APPARATUS AND SYSTEM Final Rejection TOYOTA JIDOSHA KABUSHIKI KAISHA
18594316 SYSTEMS AND METHODS FOR EXECUTING AN AUTHENTICATION MODULE Final Rejection The Toronto-Dominion Bank
18986426 ENHANCED AND EFFICIENT DATA FLOW Non-Final OA Visa International Service Association
18934781 CLEARING METHOD AND SYSTEM WITH AUTOMATED CORRECTION Non-Final OA Visa International Service Association
18839359 Method and System for Performing Transaction by Implementing a Token Provisioning Service Final Rejection Visa International Service Association
18692352 SYSTEMS AND METHODS FOR MAINTENANCE SERVICES Non-Final OA KONINKLIJKE PHILIPS N.V.
18061692 SYSTEMS AND METHODS FOR PROCESSING A BATCH PAYMENT IN REAL-TIME PAYMENT NETWORK Final Rejection Fidelity Information Services, LLC
18753226 SYSTEMS AND METHODS FOR REAL-TIME DYNAMIC SECURED PAYMENT INSTRUMENT PROCESSING Final Rejection Synchrony Bank
18203012 SECURELY PROCESSING A CONTINGENT ACTION TOKEN Final Rejection 2BC Innovations, LLC
18827427 DYNAMIC DATA SET PARSING FOR VALUE MODELING Final Rejection Moat Metrics, Inc. dba Moat
18639527 CONDITION-BASED DATA TRANSACTIONS Non-Final OA Motorola Mobility LLC
18728730 METHOD FOR PROCESSING A TRANSACTION, SYSTEM AND CORRESPONDING PROGRAM Final Rejection INGENICO BELGIUM
18734860 SYSTEMS AND METHODS FOR GENERATING ADAPTIVE ARTIFICIAL INTELLIGENCE-BASED COURSE TEMPLATES USING REAL-TIME FEEDBACK Final Rejection Pearson Education, Inc.
18631481 HOTEL ROOM ONLINE MARKETPLACE FOR SELLING A PARTIAL BLOCK OF HOTEL ROOMS SELECTED FROM A BLOCK OF HOTEL ROOMS Non-Final OA RoomRite Group Solutions, Inc.
18583774 SYSTEMS AND METHODS TO AUTHENTICATE A USER’S FINANCIAL CREDENTIALS Non-Final OA My Life Kit Ltd.
18571048 AUTHORIZATION REQUEST AND MANAGEMENT Non-Final OA K-Dimensional Holdings, Inc.

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