USPTO Examiner ALI HATEM M - Art Unit 3691

Recent Applications

Detailed information about the 100 most recent patent applications.

Application NumberTitleFiling DateDisposal DateDispositionTime (months)Office ActionsRestrictionsInterviewAppeal
18585224INTELLIGENT ALGORITHM SYSTEM FOR PAYMENTFebruary 2024December 2025Abandon2210NoNo
18407312DRIVE-UP BANKING WITH WINDOWS UPJanuary 2024July 2025Abandon1820NoNo
18394936Macro Adaptive Hyper Model for UnderwritingDecember 2023February 2026Abandon2620YesNo
18391417SYSTEMS AND METHODS FOR DETERMINING FINANCIAL SECURITY RISKS USING SELF-SUPERVISED NATURAL LANGUAGE EXTRACTIONDecember 2023July 2025Abandon1920YesNo
18516463CARD ENABLED SERVICESNovember 2023October 2025Abandon2320YesNo
18498841BIFURCATED PROCESSINGOctober 2023December 2025Allow2520YesNo
18464764SYSTEMS AND METHODS FOR RENORMALIZATION OF DATA DRIVING FINANCIAL VALUATIONSeptember 2023July 2025Abandon2210NoNo
18464773SYSTEM AND METHOD FOR REAL-TIME THREE-PARTY TRANSACTION PROCESSINGSeptember 2023March 2025Abandon1810NoNo
18449186System, Method, and Computer Program Product for Network Anomaly DetectionAugust 2023September 2025Allow2520YesNo
18230057SYSTEMS AND METHODS FOR GENERATING A DIGITAL TOKEN SLIPAugust 2023October 2025Abandon2720YesNo
18357235SYSTEM AND METHOD FOR TRANSACTION SETTLEMENTJuly 2023April 2025Allow2120YesNo
18342462METHOD FOR CREATING A LIQUID MARKET FOR TAX CREDITSJune 2023May 2025Abandon2310NoNo
18329115SYSTEM FOR AUTOMATED DESCRIPTION AND CATEGORIZATIONJune 2023February 2025Allow2120YesNo
18313128STATELESS EXPERIENCE APIS FOR BILL PAY SYSTEMSMay 2023July 2025Abandon2620YesNo
18299206CHECK VALIDATION AND CLEARANCEApril 2023March 2025Abandon2320YesNo
18187586SYSTEMS AND METHODS FOR RESOURCE ALLOCATION IN A DYNAMIC SYSTEMMarch 2023May 2025Abandon2620NoNo
18185566SYSTEM AND METHOD FOR PAYMENT PROCESSING TELEMETRYMarch 2023November 2024Allow2020NoNo
18121703DATA PROCESSING METHOD AND DEVICE, AND COMPUTER-READABLE STORAGE MEDIUMMarch 2023January 2026Abandon3440NoNo
18118874SYSTEMS AND METHODS FOR AUTOMATIC CREDIT LINE UNDERWRITING BASED ON GRANULAR BUDGETING DATAMarch 2023May 2025Abandon2620YesNo
18116144INCREASING ACCURACY OF RFID-TAG TRANSACTIONSMarch 2023April 2025Allow2520NoYes
18174921PROCESSING TECHNIQUES AND SYSTEM ARCHITECTURES FOR AUTOMATED CORRESPONDENCE MANAGEMENTFebruary 2023February 2025Abandon2420YesNo
18096896SYSTEMS AND METHODS FOR PROVIDING GRATUITIES TO MERCHANTSJanuary 2023October 2024Allow2120YesNo
18094447BLOCKCHAIN-BASED DIGITAL TRANSACTIONAL SYSTEM WITH MACHINE-LEARNING (ML)-POWERED RULE GENERATIONJanuary 2023March 2025Abandon2640YesNo
18014786SECURE END-TO-END PAIRING OF SECURE ELEMENT TO MOBILE DEVICEJanuary 2023February 2025Allow2520NoNo
18061319METHOD AND SYSTEM FOR PROCESSING INSURANCE CLAIMS USING AUGMENTED REALITY VIDEO DATADecember 2022July 2024Allow2020YesNo
17922832SALES SUPPORT APPARATUS, SALES SUPPORT METHOD, AND NONTRANSITORY COMPUTER-READABLE STORAGE MEDIUMNovember 2022March 2025Abandon2820NoNo
17936392SYSTEM AND METHOD FOR PAYMENT TENDER STEERINGSeptember 2022December 2024Allow2640YesNo
17953306INITIATION OF ONLINE PAYMENTS USING AN ELECTRONIC DEVICE IDENTIFIERSeptember 2022March 2025Allow3040YesNo
17949230BORROWING HANDLING SYSTEM AND BORROWING HANDLING METHODSeptember 2022May 2024Abandon2010NoNo
17940410ORCHESTRATION OF CURRENCY CONVERSION OPTIMIZATIONSeptember 2022April 2024Allow1940YesNo
17802235UNFAIR TRANSACTON VISUALIZATION DEVICE, METHOD, AND PROGRAMAugust 2022September 2024Abandon2420NoNo
17883458METHOD FOR PROCESSING INFORMATION, STORAGE MEDIUM, AND INFORMATION PROCESSING DEVICEAugust 2022August 2025Abandon3650YesNo
17798063REGISTRATION AND PAYMENT METHOD, DEVICE, AND SYSTEM USING FACE INFORMATIONAugust 2022September 2024Abandon2511YesNo
17751705SYSTEM AND METHOD FOR FRAUD CONTROLMay 2022April 2024Allow2320YesNo
17739993CONFIGURABLE, REACTIVE ARCHITECTURE FRAMEWORK FOR DATA STREAM MANIPULATION AT SCALEMay 2022May 2024Allow2420NoNo
17729985SYSTEMS AND METHODS FOR CARD AUTHORIZATIONApril 2022February 2024Allow2220NoNo
17677777INSURANCE BASED ON DRIVING DATAFebruary 2022June 2024Allow2820YesNo
17554127SYSTEM AND METHOD FOR PAYMENT TENDER STEERINGDecember 2021April 2024Allow2720YesNo
17552706ORCHESTRATION OF CURRENCY CONVERSION OPTIMIZATIONDecember 2021September 2022Abandon900NoNo
17544891NON-TRANSITORY COMPUTER READABLE MEDIUM STORING PROGRAM, INFORMATION PROCESSING APPARATUS, AND INFORMATION PROCESSING METHODDecember 2021March 2024Abandon2720NoNo
17524678SYSTEMS AND METHODS FOR COLLABORATIVE MONEY MANAGEMENTNovember 2021January 2024Abandon2610NoNo
17521767REAL-TIME ACCOUNT TAKEOVER DETECTION USING BEHAVIOR SEQUENCE CLUSTERINGNovember 2021October 2024Abandon3530YesNo
17487808SYSTEMS, METHODS, AND DEVICES FOR ASSIGNING A TRANSACTION RISK SCORESeptember 2021April 2025Abandon4360YesNo
17486710USE LIMITATIONS FOR SECONDARY USERS OF FINANCIAL ACCOUNTSSeptember 2021April 2024Allow3120YesNo
17484442SYSTEMS AND METHODS FOR REMOTE DEPOSIT OF CURRENCYSeptember 2021October 2024Allow3720NoYes
17478074System, Method and Apparatus for Providing Adaptive Consumer Checkout OptionsSeptember 2021July 2023Allow2220NoNo
17470658HAIL DATA EVALUATION COMPUTER SYSTEMSeptember 2021May 2024Allow3220YesNo
17466624METHODS AND APPARATUS FOR ELECTRONIC DETECTION OF FRAUDULENT TRANSACTIONS USING MACHINE LEARNING PROCESSESSeptember 2021August 2024Allow3560YesNo
17464217TRANSACTION POLICY AUDITSeptember 2021August 2024Allow3540YesNo
17462881Systems and Methods to Provide Account Features via Web Based User InterfacesAugust 2021September 2023Allow2520YesNo
17388469IDENTIFICATION OF ANOMALOUS PAYMENT TERMINALSJuly 2021August 2023Abandon2520YesNo
17384147MULTIPLE CURRENCY CONVERSIONS IN ONLINE MARKETPLACESJuly 2021March 2024Abandon3240YesNo
17378250EFFICIENT, ACCURATE, AND SECURE PROCESSING OF DIGITAL ASSET CONVERSION TO FIAT CURRENCYJuly 2021August 2023Allow2520YesNo
17422949SETTLEMENT SYSTEM AND SETTLEMENT METHODJuly 2021March 2024Abandon3240YesNo
17420935SYSTEM AND METHOD FOR REAL-TIME THREE-PARTY TRANSACTION PROCESSINGJuly 2021May 2023Allow2220NoNo
17364371SYSTEMS AND METHODS FOR MOBILE DEVICE PURCHASE FLOWSJune 2021November 2023Allow2920YesNo
17362947REAL ESTATE PRODUCT RELATED FINANCE SYSTEM AND MANAGEMENT METHOD THEREOFJune 2021March 2024Abandon3210NoNo
17346340System and method for lowering mortgage payments associated with a mortgage loanJune 2021January 2023Abandon1910NoNo
17344653CROSS-ENTITY TRANSACTION ANALYSISJune 2021September 2024Abandon3950YesNo
17341361Filtered POS Processing of ServicesJune 2021May 2024Allow3540YesNo
17337892WALLET SERVER, WALLET SYSTEM, AND NON-TRANSITORY STORAGE MEDIUMJune 2021April 2023Allow2221YesNo
17299468TIME BASED RISK MANAGEMENT MECHANISMSJune 2021September 2024Allow3960YesNo
17328690SYSTEMS AND METHODS FOR USING AN INTERNET OF THINGS DEVICE PRESENCE TO AUTHENTICATE A CARDHOLDER FOR A FINANCIAL TRANSACTIONMay 2021July 2024Allow3740YesNo
17316696Method of buying or selling items and a user interface to facilitate the sameMay 2021September 2023Abandon2810NoNo
17316128PAYMENT ACCOUNTMay 2021August 2023Abandon2710NoNo
17288888Systems and Methods for Communicating Transaction Information Between Electronic DevicesApril 2021December 2022Abandon2010NoNo
17236062INFORMATION PROCESSING SYSTEM, MOBILE TERMINAL, AND COMPUTER READABLE RECORDING MEDIUMApril 2021June 2023Abandon2520NoNo
17231407SYSTEMS AND METHODS FOR CALCULATING A LATENCY OF A TRANSACTION PROCESSING SYSTEMApril 2021August 2023Allow2820YesYes
17229377DRIVE-UP BANKING WITH WINDOWS UPApril 2021September 2023Allow2920YesNo
17221243SYSTEMS AND METHODS FOR A PAYMENT CARD WITH MULTIPLE FUNDING SOURCESApril 2021July 2023Allow2820NoNo
17212139SETTLEMENT SYSTEM, TERMINAL DEVICE, AND COMPUTER READABLE RECORDING MEDIUMMarch 2021October 2023Abandon3130NoNo
17196437Systems And Methods For Acquiring Insurance Related InformaticsMarch 2021September 2023Allow3030NoYes
17181526METHOD, SYSTEM, AND NON-TRANSITORY COMPUTER READABLE RECORD MEDIUM FOR PAYMENT LINKFebruary 2021January 2024Abandon3540NoNo
17174613INSURANCE OPTIMAL QUOTE RECOGNITIONFebruary 2021June 2024Allow4040YesNo
17166915SYSTEMS AND METHODS OF REPRESENTING AND EXECUTING GRID RULES AS DATA MODELSFebruary 2021April 2025Allow5160YesNo
17152667PAYMENT PROCESSINGJanuary 2021September 2024Allow4460YesNo
17143609CARD ENABLED SERVICESJanuary 2021August 2023Allow3240YesNo
17143076SYSTEMS AND METHODS FOR DETERMINING FINANCIAL SECURITY RISKS USING SELF-SUPERVISED NATURAL LANGUAGE EXTRACTIONJanuary 2021September 2023Allow3340YesNo
17140569PREDICTIVE MODELING BASED ON PATTERN RECOGNITIONJanuary 2021June 2023Abandon3040YesNo
17139502FACILITATING PAYMENTS USING WEARABLE DEVICESDecember 2020April 2024Allow4040YesNo
17252139METHOD AND SYSTEM TO CREATE A TRUSTED RECORD OR MESSAGE AND USAGE FOR A SECURE ACTIVATION OR STRONG CUSTOMER AUTHENTICATIONDecember 2020October 2023Abandon3430YesNo
17121262EMAIL BASED E-COMMERCE WITH SMS AND SOCIAL MEDIADecember 2020April 2024Allow4041YesNo
17058828VIRTUAL SMART CARD FOR BANKING AND PAYMENTSNovember 2020September 2022Abandon2210NoNo
17048351METHOD FOR SECURING A COMPUTER SYSTEMOctober 2020January 2023Allow2720NoNo
17064971Collision Risk-Based Engagement and Disengagement of Autonomous Control of a VehicleOctober 2020March 2023Allow2920YesNo
17013594SYSTEM AND METHOD OF PROVIDING A BLOCK CHAIN-BASED RECORDATION PROCESSSeptember 2020March 2024Allow4240YesNo
16998191SYSTEM FOR AUTOMATED DESCRIPTION AND CATEGORIZATIONAugust 2020March 2023Allow3120YesNo
16990873SYSTEM FOR COLLECTING WEEKLY PAYMENTS FROM A CUSTOMER, HOLDING THOSE WEEKLY PAYMENTS IN ESCROW, AND THEN MAKING MONTHLY LOAN PAYMENTS TOWARD THE CUSTOMER'S AUTO LOAN USING THE ESCROWED PAYMENTSAugust 2020February 2023Allow3020YesNo
16983809BATCH PROCESSING FOR BULK QUOTES SERVICEAugust 2020January 2023Abandon2920NoNo
16923812AUTOMATIC DIGITAL PERSONAL ASSISTANT INTERJECTION FOR DELAYING DATA EXCHANGE OUTCOMESJuly 2020March 2023Allow3220YesNo
16916396TRACKING AND GUIDANCE SYSTEM FOR RECURRING SERVICE MANAGEMENTJune 2020July 2023Allow3740YesYes
16915790TRANSACTION PERIODICITY FORECAST USING MACHINE LEARNING-TRAINED CLASSIFIERJune 2020June 2025Abandon6030YesYes
16908205Systems and Methods for Monitoring Performance of Payment Networks Through Distributed ComputingJune 2020May 2023Abandon3520YesNo
15931001SYSTEMS AND METHODS FOR CARD AUTHORIZATIONMay 2020January 2022Allow2010YesNo
15930308SYSTEMS AND METHODS FOR PROVIDING MULTIPLE OPTION SPREADS ACCRUED INCOME COUPON NOTESMay 2020January 2023Abandon3330YesNo
16871346AUTOMATIC ASSESSMENT OF DAMAGE AND REPAIR COSTS IN VEHICLESMay 2020April 2022Allow2410NoNo
16851246ONLINE INTERACTION SECURITY TECHNOLOGYApril 2020June 2022Allow2610NoNo
16851525CIRCULAR ROTATIONAL INTERFACE FOR DISPLAY OF CONSUMER CREDIT INFORMATIONApril 2020March 2022Abandon2310NoNo
16841185METHOD AND SYSTEM FOR PROCESSING INSURANCE CLAIMS USING AUGMENTED REALITY VIDEO DATAApril 2020October 2022Allow3020YesNo
16838297Financial Messaging Transformation-as-a-ServiceApril 2020May 2023Allow3880YesNo

Appeals Overview

This analysis examines appeal outcomes and the strategic value of filing appeals for examiner ALI, HATEM M.

Patent Trial and Appeal Board (PTAB) Decisions

Total PTAB Decisions
11
Examiner Affirmed
9
(81.8%)
Examiner Reversed
2
(18.2%)
Reversal Percentile
30.1%
Lower than average

What This Means

With a 18.2% reversal rate, the PTAB affirms the examiner's rejections in the vast majority of cases. This reversal rate is below the USPTO average, indicating that appeals face more challenges here than typical.

Strategic Value of Filing an Appeal

Total Appeal Filings
94
Allowed After Appeal Filing
36
(38.3%)
Not Allowed After Appeal Filing
58
(61.7%)
Filing Benefit Percentile
63.0%
Higher than average

Understanding Appeal Filing Strategy

Filing a Notice of Appeal can sometimes lead to allowance even before the appeal is fully briefed or decided by the PTAB. This occurs when the examiner or their supervisor reconsiders the rejection during the mandatory appeal conference (MPEP § 1207.01) after the appeal is filed.

In this dataset, 38.3% of applications that filed an appeal were subsequently allowed. This appeal filing benefit rate is above the USPTO average, suggesting that filing an appeal can be an effective strategy for prompting reconsideration.

Strategic Recommendations

Appeals to PTAB face challenges. Ensure your case has strong merit before committing to full Board review.

Filing a Notice of Appeal is strategically valuable. The act of filing often prompts favorable reconsideration during the mandatory appeal conference.

Examiner ALI, HATEM M - Prosecution Strategy Guide

Executive Summary

Examiner ALI, HATEM M works in Art Unit 3691 and has examined 496 patent applications in our dataset. With an allowance rate of 46.0%, this examiner allows applications at a lower rate than most examiners at the USPTO. Applications typically reach final disposition in approximately 45 months.

Allowance Patterns

Examiner ALI, HATEM M's allowance rate of 46.0% places them in the 10% percentile among all USPTO examiners. This examiner is less likely to allow applications than most examiners at the USPTO.

Office Action Patterns

On average, applications examined by ALI, HATEM M receive 3.67 office actions before reaching final disposition. This places the examiner in the 95% percentile for office actions issued. This examiner issues more office actions than most examiners, which may indicate thorough examination or difficulty in reaching agreement with applicants.

Prosecution Timeline

The median time to disposition (half-life) for applications examined by ALI, HATEM M is 45 months. This places the examiner in the 13% percentile for prosecution speed. Applications take longer to reach final disposition with this examiner compared to most others.

Interview Effectiveness

Conducting an examiner interview provides a +26.6% benefit to allowance rate for applications examined by ALI, HATEM M. This interview benefit is in the 74% percentile among all examiners. Recommendation: Interviews provide an above-average benefit with this examiner and are worth considering.

Request for Continued Examination (RCE) Effectiveness

When applicants file an RCE with this examiner, 14.7% of applications are subsequently allowed. This success rate is in the 11% percentile among all examiners. Strategic Insight: RCEs show lower effectiveness with this examiner compared to others. Consider whether a continuation application might be more strategic, especially if you need to add new matter or significantly broaden claims.

After-Final Amendment Practice

This examiner enters after-final amendments leading to allowance in 10.0% of cases where such amendments are filed. This entry rate is in the 10% percentile among all examiners. Strategic Recommendation: This examiner rarely enters after-final amendments compared to other examiners. You should generally plan to file an RCE or appeal rather than relying on after-final amendment entry. Per MPEP § 714.12, primary examiners have discretion in entering after-final amendments, and this examiner exercises that discretion conservatively.

Pre-Appeal Conference Effectiveness

When applicants request a pre-appeal conference (PAC) with this examiner, 130.2% result in withdrawal of the rejection or reopening of prosecution. This success rate is in the 84% percentile among all examiners. Strategic Recommendation: Pre-appeal conferences are highly effective with this examiner compared to others. Before filing a full appeal brief, strongly consider requesting a PAC. The PAC provides an opportunity for the examiner and supervisory personnel to reconsider the rejection before the case proceeds to the PTAB.

Appeal Withdrawal and Reconsideration

This examiner withdraws rejections or reopens prosecution in 86.2% of appeals filed. This is in the 80% percentile among all examiners. Of these withdrawals, 59.4% occur early in the appeal process (after Notice of Appeal but before Appeal Brief). Strategic Insight: This examiner frequently reconsiders rejections during the appeal process compared to other examiners. Per MPEP § 1207.01, all appeals must go through a mandatory appeal conference. Filing a Notice of Appeal may prompt favorable reconsideration even before you file an Appeal Brief.

Petition Practice

When applicants file petitions regarding this examiner's actions, 59.6% are granted (fully or in part). This grant rate is in the 63% percentile among all examiners. Strategic Note: Petitions show above-average success regarding this examiner's actions. Petitionable matters include restriction requirements (MPEP § 1002.02(c)(2)) and various procedural issues.

Examiner Cooperation and Flexibility

Examiner's Amendments: This examiner makes examiner's amendments in 3.2% of allowed cases (in the 80% percentile). Per MPEP § 1302.04, examiner's amendments are used to place applications in condition for allowance when only minor changes are needed. This examiner frequently uses this tool compared to other examiners, indicating a cooperative approach to getting applications allowed. Strategic Insight: If you are close to allowance but minor claim amendments are needed, this examiner may be willing to make an examiner's amendment rather than requiring another round of prosecution.

Quayle Actions: This examiner issues Ex Parte Quayle actions in 0.0% of allowed cases (in the 44% percentile). This examiner issues Quayle actions less often than average. Allowances may come directly without a separate action for formal matters.

Prosecution Strategy Recommendations

Based on the statistical analysis of this examiner's prosecution patterns, here are tailored strategic recommendations:

  • Prepare for rigorous examination: With a below-average allowance rate, ensure your application has strong written description and enablement support. Consider filing a continuation if you need to add new matter.
  • Expect multiple rounds of prosecution: This examiner issues more office actions than average. Address potential issues proactively in your initial response and consider requesting an interview early in prosecution.
  • Plan for RCE after final rejection: This examiner rarely enters after-final amendments. Budget for an RCE in your prosecution strategy if you receive a final rejection.
  • Request pre-appeal conferences: PACs are highly effective with this examiner. Before filing a full appeal brief, request a PAC to potentially resolve issues without full PTAB review.
  • Appeal filing as negotiation tool: This examiner frequently reconsiders rejections during the appeal process. Filing a Notice of Appeal may prompt favorable reconsideration during the mandatory appeal conference.
  • Plan for extended prosecution: Applications take longer than average with this examiner. Factor this into your continuation strategy and client communications.
  • Examiner cooperation: This examiner frequently makes examiner's amendments to place applications in condition for allowance. If you are close to allowance, the examiner may help finalize the claims.

Relevant MPEP Sections for Prosecution Strategy

  • MPEP § 713.10: Examiner interviews - available before Notice of Allowance or transfer to PTAB
  • MPEP § 714.12: After-final amendments - may be entered "under justifiable circumstances"
  • MPEP § 1002.02(c): Petitionable matters to Technology Center Director
  • MPEP § 1004: Actions requiring primary examiner signature (allowances, final rejections, examiner's answers)
  • MPEP § 1207.01: Appeal conferences - mandatory for all appeals
  • MPEP § 1214.07: Reopening prosecution after appeal

Important Disclaimer

Not Legal Advice: The information provided in this report is for informational purposes only and does not constitute legal advice. You should consult with a qualified patent attorney or agent for advice specific to your situation.

No Guarantees: We do not provide any guarantees as to the accuracy, completeness, or timeliness of the statistics presented above. Patent prosecution statistics are derived from publicly available USPTO data and are subject to data quality limitations, processing errors, and changes in USPTO practices over time.

Limitation of Liability: Under no circumstances will IronCrow AI be liable for any outcome, decision, or action resulting from your reliance on the statistics, analysis, or recommendations presented in this report. Past prosecution patterns do not guarantee future results.

Use at Your Own Risk: While we strive to provide accurate and useful prosecution statistics, you should independently verify any information that is material to your prosecution strategy and use your professional judgment in all patent prosecution matters.