Prosecution Insights
Last updated: July 17, 2026

Merchant & Gould - Wells Fargo

19 pending office actions • 1 client • 18 examiners • 14 art units • 0 of 19 (0%) have an AI response strategy ready • 34 patents granted in the last 365 days

Quality Metrics (n=539 apps, methodology: how we score firms)

87.2%
Allowance Rate
n=539
+0.80σ
Allowance Rate (norm)
n=539
4.7
OAs to Allowance
n=362
+0.16σ
OAs to Allow (norm)
n=362
1030 days
Time to Allowance
n=362
-2.6pp
Interview Lift
n=539
56.4%
RCE Rate
n=539
0.8%
Appeal Rate
n=539

Rejection Performance (% of received rejections ultimately overcome)

71.2%
§101 Overcome
n=73
80.6%
§102 Overcome
n=36
78.2%
§103 Overcome
n=325
90.0%
§112 Overcome
n=30

Specialization & Scale

G06Q, G06F, H04L
Top CPC Subclasses
65%
Top-3 CPC Share
n=539
0
Practitioners
n=539
Apps / Practitioner
n=539 (min 20)

Portfolio Summary

19
Total Pending OAs
9
Non-Final OAs
8
Final Rejections
2
Advisory / Quayle

Response Deadline Pressure

Based on the USPTO statutory response window for each pending office action. 10 of the docket's apps have a known mailing date; the rest are excluded from the tile counts.

3
Overdue
0
Due this week
3
Due this month
4
Due in next 60 days
0
Due later

Deadline Fire Line

Every pending office action with a known statutory deadline, placed on a days-until-due axis. Dots left of Today are overdue; the further right, the more runway. Cases that share a deadline window stack vertically. 10 of the docket's apps have a known mailing date.

-30dToday30d60d90d120d
Overdue (3)Due ≤ 30 days (3)Due ≤ 60 days (4)

Case Difficulty Mix

Difficulty is derived from the rejection statutes on the most recent pending office action. §101-driven and multi-statute cases are graded Hard; §112-only and obviousness-type double-patenting cases are graded Easy; everything else is Medium. "Unknown" means we have not yet parsed a statute for that office action.

5
Hard (26%)
11
Medium (58%)
1
Easy (5%)
2
Unknown (11%)

Rejection Statute Mix

BucketCases
§101 only5 (26%)
§103 only10 (53%)
§102 only1 (5%)
§112 only1 (5%)
No statute on record2 (11%)

Industry Mix

How the docket's pending cases split across USPTO tech-center bands.

0
Life Sciences
0% of docket
5
Information Tech
26% of docket
0
Communications
0% of docket
0
Semiconductors
0% of docket
13
Mechanical / Eng
68% of docket
1
Business / Other
5% of docket

Time-on-OA Estimate

Manual office-action response work runs about 10 hours per case. The time-saved bands below show what IP Author's prosecution pipeline typically delivers — a conservative 20% on the low end, 35% in the middle, 50% on the high end.

190 h
Manual time on pending OAs
38 h
Time saved (low, 20%)
66 h
Time saved (mid, 35%)
1.7 wks
FTE-weeks freed (mid)

Top Examiners on this docket

ExaminerApps on this docketAllow rateInterview lift
HUDSON, MARLA LAVETTE 2 56.4% +25.7%
EBERSMAN, BRUCE I 1 64.1% +58.3%
EYERS, DUSTIN D 1 57.6% +22.0%
VANDERHORST, MARIA VICTORIA 1 48.5% +37.2%
KWONG, CHO YIU 1 32.2% +4.8%
MASUD, ROKIB 1 68.6% +0.0%
JAMES, GREGORY MARK 1 19.7% +14.3%
JUNG, HENRY H 1 22.9% +30.7%
WONG, ERIC TAK WAI 1 50.8% +13.7%
GREGG, MARY M 1 14.0% +14.1%

Hard Cases (7)

Multi-statute / §101-driven matters, or cases in front of an examiner with an allow rate under 30%. The top 7 ordered by deadline are shown.

App #TitleExaminerDue in
18410684 ANALYTICS FOR DYNAMIC INDUSTRY CASH FLOW MODELING HUDSON, MARLA LAVETTE 28d overdue
18591651 EMISSIONS MANAGEMENT FOR UNAVAILABLE SERVICES HUSSEIN, ALAA WADIE 16d overdue
18417930 ARTIFICIAL INTELLIGENCE DRIVEN BUSINESS REPORTING WALLICK, STEPHANIE SHOSHANA 16d overdue
18776338 CENTRAL DEALER DASHBOARD MASUD, ROKIB
18771152 CONTEXTUAL PAYMENT AUGMENTATION JAMES, GREGORY MARK
18739845 DATA CLASSIFICATION FOR FRAUD DETECTION JUNG, HENRY H
18734850 RELATIVE CO-RELATION SECURED BOND INDEX MODELING GREGG, MARY M

Interview Candidates (9)

Cases in front of an examiner whose interview lift is 10 percentage points or more — i.e. interviewed cases historically resolve more favorably than non-interviewed ones. The top 8 ordered by deadline are shown.

App #TitleExaminerDue in
18410684 ANALYTICS FOR DYNAMIC INDUSTRY CASH FLOW MODELING HUDSON, MARLA LAVETTE 28d overdue
18738413 IDENTIFICATION-BASED PAYMENT WONG, ERIC TAK WAI 13d
19083582 ANALYSIS OF DEBIT CARD COMPARED TO CREDIT CARD USE VANDERHORST, MARIA VICTORIA 55d
18889746 Untitled EBERSMAN, BRUCE I
18909577 Untitled EYERS, DUSTIN D
19098418 LOAN REFINANCING AND/OR CONSOLIDATION TOOL HUDSON, MARLA LAVETTE
18771152 CONTEXTUAL PAYMENT AUGMENTATION JAMES, GREGORY MARK
18739845 DATA CLASSIFICATION FOR FRAUD DETECTION JUNG, HENRY H

Client Portfolio (1 client)

Client (Assignee)Pending OAs
WELLS FARGO BANK, N.A. 19

Top Art Units

Art UnitApps
36933
36952
24922
21641
36211
36271
36921
36191
24311
36261

Pending Office Actions

App #TitleClientExaminerArt UnitStatutesStatusDue inAIFiled
18889746 Untitled Wells Fargo Bank, N.A. EBERSMAN, BRUCE I 3693 Final Rejection Pending
18909577 Untitled Wells Fargo Bank, N.A. EYERS, DUSTIN D 2164 Non-Final OA Pending
19098418 LOAN REFINANCING AND/OR CONSOLIDATION TOOL Wells Fargo Bank, N.A. HUDSON, MARLA LAVETTE §103 Non-Final OA Pending Apr 02, 2025
19083582 ANALYSIS OF DEBIT CARD COMPARED TO CREDIT CARD USE Wells Fargo Bank, N.A. VANDERHORST, MARIA VICTORIA 3621 §103 Non-Final OA 55d Pending Mar 19, 2025
19001129 CONTROLS FOR VULNERABLE ADULTS Wells Fargo Bank, N.A. KWONG, CHO YIU 3693 §103 Final Rejection Pending Dec 24, 2024
18776338 CENTRAL DEALER DASHBOARD Wells Fargo Bank, N.A. MASUD, ROKIB 3627 §101 Final Rejection Pending Jul 18, 2024
18771152 CONTEXTUAL PAYMENT AUGMENTATION Wells Fargo Bank, N.A. JAMES, GREGORY MARK 3692 §103 Non-Final OA Pending Jul 12, 2024
18739845 DATA CLASSIFICATION FOR FRAUD DETECTION Wells Fargo Bank, N.A. JUNG, HENRY H 3695 §101 Non-Final OA Pending Jun 11, 2024
18738413 IDENTIFICATION-BASED PAYMENT Wells Fargo Bank, N.A. WONG, ERIC TAK WAI 3693 §103 Final Rejection 13d Pending Jun 10, 2024
18734850 RELATIVE CO-RELATION SECURED BOND INDEX MODELING Wells Fargo Bank, N.A. GREGG, MARY M 3695 §103 Final Rejection Pending Jun 05, 2024
18637249 EVENT NOTIFIER Wells Fargo Bank, N.A. HUANG, JAY 3619 §103 Non-Final OA 56d Pending Apr 16, 2024
18604008 THREAT MODELING AT SCALE Wells Fargo Bank, N.A. DAVIS, ZACHARY A 2492 §112 Non-Final OA 28d Pending Mar 13, 2024
18595743 CONTROLS FOR CLOUD COMPUTING ENVIRONMENT Wells Fargo Bank, N.A. ABDULLAH, SAAD AHMAD 2431 §103 Non-Final OA Pending Mar 05, 2024
18591651 EMISSIONS MANAGEMENT FOR UNAVAILABLE SERVICES Wells Fargo Bank, N.A. HUSSEIN, ALAA WADIE 3626 §101 Final Rejection 16d overdue Pending Feb 29, 2024
18417930 ARTIFICIAL INTELLIGENCE DRIVEN BUSINESS REPORTING Wells Fargo Bank, N.A. WALLICK, STEPHANIE SHOSHANA 3628 §101 Non-Final OA 16d overdue Pending Jan 19, 2024
18410684 ANALYTICS FOR DYNAMIC INDUSTRY CASH FLOW MODELING Wells Fargo Bank, N.A. HUDSON, MARLA LAVETTE 3694 §101 Final Rejection 28d overdue Pending Jan 11, 2024
18402988 Document Review and Execution on Mobile Devices Wells Fargo Bank, N.A. MONAGHAN, MICHAEL J 3629 §103 Final Rejection 33d Pending Jan 03, 2024
18356299 CLOUD COMPUTING CYBERSECURITY MATRIX WITH OVERLAID MATURITY MODEL Wells Fargo Bank, N.A. KORSAK, OLEG 2492 §102 Non-Final OA 16d Pending Jul 21, 2023
18329749 MICRO FRONT-END COMPOSITION AND POLYMORPHISM Wells Fargo Bank, N.A. NGUYEN, MONGBAO 2192 §103 Non-Final OA 55d Pending Jun 06, 2023

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