Detailed information about the 100 most recent patent applications.
| Application Number | Title | Filing Date | Disposal Date | Disposition | Time (months) | Office Actions | Restrictions | Interview | Appeal |
|---|---|---|---|---|---|---|---|---|---|
| 17256605 | DIGITAL CURRENCY SETTLEMENT SYSTEM AND SETTLEMENT METHOD AND PAYMENT DEVICE | December 2020 | June 2023 | Abandon | 30 | 2 | 0 | No | No |
| 17254152 | SYSTEM AND METHOD FOR ISSUING AND TRADING CATASTROPHE BONDS | December 2020 | April 2024 | Abandon | 40 | 4 | 0 | Yes | No |
| 17052944 | Controlling Transactions on a Network | November 2020 | June 2023 | Allow | 32 | 3 | 0 | Yes | No |
| 17081685 | TRANSACTION AUTHENTICATION, AUTHORIZATION, AND/OR AUDITING UTILIZING SUBSCRIBER-SPECIFIC BEHAVIORS | October 2020 | March 2024 | Allow | 41 | 4 | 0 | Yes | No |
| 17066234 | SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK MESSAGING | October 2020 | April 2023 | Allow | 30 | 2 | 0 | Yes | No |
| 17024332 | SYSTEM AND METHOD LINKING TO ACCOUNTS USING CREDENTIAL-LESS AUTHENTICATION | September 2020 | August 2023 | Allow | 35 | 2 | 0 | Yes | No |
| 16997987 | Systems and Methods For Preventing Fraudulent Credit Card And Debit Card Transactions | August 2020 | September 2022 | Allow | 25 | 1 | 0 | Yes | No |
| 16991756 | SYSTEMS AND METHODS FOR CHIP-BASED IDENTITY VERIFICATION AND TRANSACTION AUTHENTICATION | August 2020 | March 2023 | Allow | 31 | 1 | 0 | Yes | No |
| 16965545 | System and Method for Biometric Fallback Authentication | July 2020 | October 2022 | Allow | 27 | 2 | 0 | Yes | No |
| 16938742 | METHOD AND SYSTEM FOR FACILITATING RISK CONTROL OF AN ONLINE FINANCIAL PLATFORM | July 2020 | August 2022 | Allow | 25 | 0 | 0 | Yes | No |
| 16918490 | SYSTEMS AND METHODS FOR PARALLELLY VALIDATING A PLURALITY OF POLICIES | July 2020 | July 2022 | Allow | 24 | 2 | 0 | Yes | No |
| 16913693 | SYSTEMS AND METHODS FOR PROVIDING MULTI-FACTOR AUTHENTICATION FOR VEHICLE TRANSACTIONS | June 2020 | July 2022 | Allow | 25 | 2 | 0 | Yes | No |
| 16888130 | METHOD OF DETERMINING WHETHER OR HOW TO PRESENT LOAN OFFER TO USER, INFORMATION PROCESSING APPARATUS, AND NON-TRANSITORY RECORDING MEDIUM | May 2020 | November 2022 | Abandon | 30 | 4 | 0 | Yes | No |
| 16874181 | Systems and Methods For Obtaining Data Annotations | May 2020 | April 2022 | Allow | 23 | 1 | 0 | Yes | No |
| 16851065 | Universal Intelligent Module For Communications, Transactions, and Payments | April 2020 | January 2022 | Abandon | 21 | 2 | 0 | No | No |
| 16841768 | RECORDING MEDIUM RECORDED WITH INFORMATION PROCESSING PROGRAM, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING APPARATUS | April 2020 | January 2022 | Allow | 21 | 2 | 0 | Yes | No |
| 16837868 | SYSTEM AND METHODS FOR PROCESSING AND AUTHORIZATION OF REAL-TIME RESOURCE REQUESTS | April 2020 | December 2023 | Abandon | 45 | 3 | 0 | No | No |
| 16806041 | METHOD AND SYSTEM FOR PROVIDING PERFORMANCE ASSESSMENT OF TERMINAL DEVICES | March 2020 | April 2022 | Allow | 26 | 1 | 0 | Yes | No |
| 16796569 | TRANSACTION SYSTEM DATA MANAGEMENT | February 2020 | July 2022 | Abandon | 29 | 2 | 0 | Yes | No |
| 16796249 | System and Method of Providing and Recording Personalized Context-Specific Advice in the Form of an Artificial Intelligence View of a Hierarchical Portfolio | February 2020 | April 2022 | Allow | 26 | 1 | 0 | Yes | No |
| 16791993 | ILLICIT PROCEEDS TRACKING SYSTEM | February 2020 | June 2022 | Allow | 28 | 3 | 0 | Yes | No |
| 16789115 | COMPUTING SYSTEM FOR OPTIMIZING INVESTMENT OF LIQUID GUARANTEED INCOME ASSETS | February 2020 | October 2022 | Allow | 32 | 3 | 1 | Yes | No |
| 16783713 | MINIMIZATION OF THE CONSUMPTION OF DATA PROCESSING RESOURCES IN AN ELECTRONIC TRANSACTION PROCESSING SYSTEM VIA DEFERRAL OF PHYSICAL DELIVERY | February 2020 | December 2021 | Allow | 22 | 2 | 0 | No | No |
| 16635721 | BIOMETRIC AUTHENTICATION PAYMENT SYSTEM, PAYMENT SYSTEM, AND CASH REGISTER SYSTEM | January 2020 | June 2022 | Allow | 29 | 2 | 0 | Yes | No |
| 16635375 | CREDIT INFORMATION PROVIDING SERVER DEVICE, CREDIT INFORMATION PROVIDING METHOD, AND RECORDING MEDIUM | January 2020 | October 2022 | Abandon | 32 | 4 | 0 | Yes | No |
| 16775420 | Currency Exchange System and Methodology | January 2020 | October 2023 | Allow | 45 | 2 | 0 | Yes | No |
| 16731708 | RULE ENGINE OPTIMIZATION VIA PARALLEL EXECUTION | December 2019 | October 2022 | Allow | 34 | 2 | 1 | Yes | No |
| 16716090 | CONNECTED HOME SYSTEM WITH RISK UNITS | December 2019 | March 2022 | Allow | 27 | 2 | 0 | No | No |
| 16714348 | UTILIZING SENSOR DATA FOR AUTOMATED USER IDENTIFICATION | December 2019 | April 2023 | Allow | 40 | 2 | 0 | Yes | No |
| 16660350 | Dynamic Currency Conversion Selection and Control Processing | October 2019 | April 2022 | Allow | 30 | 2 | 1 | No | No |
| 16660642 | AUTHENTICATION AT ATM AND HANDSHAKE BETWEEN CUSTOMER AND DRIVER | October 2019 | January 2022 | Allow | 27 | 2 | 0 | Yes | No |
| 16656652 | INFORMATION PROCESSING SYSTEM, PROGRAM, AND CONTROL METHOD | October 2019 | February 2022 | Abandon | 28 | 2 | 0 | No | No |
| 16598062 | METHODS AND SYSTEMS FOR SUPPORTING QR CODE TRANSACTIONS | October 2019 | January 2022 | Allow | 27 | 2 | 0 | No | No |
| 16591715 | Gesture-Controlled Payment Instrument | October 2019 | May 2021 | Allow | 20 | 0 | 0 | Yes | No |
| 16589229 | TRANSPORTATION AND FREIGHT CAPACITY UNITS | October 2019 | January 2022 | Abandon | 28 | 1 | 0 | No | No |
| 16589723 | User Definable Prioritization of Market Information | October 2019 | June 2021 | Allow | 20 | 1 | 0 | Yes | No |
| 16585328 | ELECTRONIC DEVICE FOR AUTOMATED USER IDENTIFICATION | September 2019 | November 2023 | Allow | 50 | 4 | 0 | Yes | No |
| 16584796 | TRIGGERING TRANSACTIONS BASED ON PREDEFINED EVENTS | September 2019 | August 2022 | Abandon | 34 | 2 | 0 | Yes | No |
| 16583189 | SYSTEMS AND METHODS FOR FOREIGN CURRENCY EXCHANGE AND TRANSFER | September 2019 | July 2021 | Allow | 22 | 2 | 0 | Yes | No |
| 16542931 | Entity Prioritization and Analysis Systems | August 2019 | July 2021 | Allow | 23 | 2 | 0 | Yes | No |
| 16542799 | Systems for Generation of Liability Protection Policies | August 2019 | July 2022 | Allow | 35 | 4 | 0 | No | No |
| 16537466 | SYSTEMS AND METHODS FOR AN ONLINE MEDIA MARKETPLACE | August 2019 | June 2021 | Abandon | 22 | 1 | 0 | No | No |
| 16537518 | SYSTEM AND METHOD FOR CONTROLLING AN APPLICATION PROGRAMMING PRIVATE DATA TRANSACTIONS | August 2019 | March 2021 | Allow | 19 | 1 | 0 | Yes | No |
| 16533095 | MERCHANT POINT OF SALE COLLABORATING WITH PAYMENT READER TERMINAL VIA SERVER APPLICATION PROGRAMMING INTERFACE | August 2019 | August 2021 | Allow | 24 | 2 | 0 | Yes | No |
| 16508619 | SYSTEM AND METHOD FOR COMBINING PRODUCT SPECIFIC DATA WITH CUSTOMER AND MERCHANT SPECIFIC DATA | July 2019 | April 2022 | Allow | 33 | 4 | 0 | Yes | No |
| 16453046 | VALUE TRANSFER BETWEEN DISPARATE SYSTEMS | June 2019 | April 2023 | Allow | 46 | 2 | 0 | Yes | No |
| 16428785 | System and Method for Fraud Detection Using Event Driven Architecture | May 2019 | November 2021 | Allow | 30 | 1 | 0 | Yes | No |
| 16428650 | PAYMENT PROCESSING METHOD AND APPARATUS USING AN INTERMEDIARY PLATFORM | May 2019 | January 2022 | Allow | 32 | 2 | 0 | No | No |
| 16426505 | SYSTEM AND METHOD FOR BILLPAY USING CREDIT-BASED PRODUCTS | May 2019 | April 2023 | Allow | 46 | 6 | 0 | Yes | No |
| 16424688 | Method and System for Detecting Use of Vehicle Safety Systems | May 2019 | July 2021 | Allow | 25 | 2 | 0 | Yes | No |
| 16424086 | Virtual Register Look Ahead Engine | May 2019 | July 2021 | Allow | 26 | 2 | 0 | Yes | No |
| 16413245 | SYSTEMS AND METHODS FOR MANAGING INSURANCE PREMIUMS BASED UPON PEER-TO-PEER PROPERTY SHARING | May 2019 | January 2022 | Allow | 32 | 3 | 0 | Yes | No |
| 16411816 | SYSTEMS AND METHODS FOR PERSONALIZING PAYMENT CARDS | May 2019 | February 2022 | Allow | 33 | 2 | 1 | Yes | No |
| 16411555 | METHODS AND SYSTEMS FOR PROVIDING SEAMLESS CUSTOMER EXPERIENCE TRANSACTIONS | May 2019 | March 2022 | Allow | 34 | 4 | 0 | Yes | No |
| 16408141 | APP-INITIATED VOICE TRANSACTION | May 2019 | August 2021 | Abandon | 28 | 2 | 0 | Yes | No |
| 16370283 | BLOCKCHAIN LOAN TRANSACTION SYSTEMS AND METHODS | March 2019 | June 2024 | Abandon | 60 | 5 | 0 | Yes | No |
| 16365290 | SYSTEMS AND METHODS FOR IDENTIFYING AND TRANSFERRING DIGITAL ASSETS | March 2019 | January 2022 | Allow | 34 | 3 | 0 | Yes | No |
| 16363216 | Equity Market Timing & Allocation System | March 2019 | March 2021 | Abandon | 24 | 1 | 1 | No | No |
| 16352550 | USER INTERFACE FOR INTERFACING WITH HUMAN USERS | March 2019 | June 2021 | Allow | 27 | 2 | 0 | Yes | No |
| 16297332 | AUTOMATIC VIRTUAL PURCHASE CARD CHARGE RECONCILIATION AGAINST REQUISITION IN AN ONLINE PROCUREMENT SYSTEM | March 2019 | October 2021 | Allow | 31 | 4 | 0 | Yes | No |
| 16296302 | System and Methodology for Designing and Implementing Strategic Trading Opportunities | March 2019 | April 2022 | Abandon | 37 | 3 | 0 | Yes | No |
| 16291595 | NACHA COMPLIANT SECURE FUND TRANSFER | March 2019 | May 2021 | Abandon | 27 | 2 | 0 | Yes | No |
| 16290526 | SYSTEMS AND METHODS FOR IMPLEMENTING REVERSE GIFT CARD TECHNOLOGY | March 2019 | June 2021 | Abandon | 28 | 2 | 0 | Yes | No |
| 16281163 | Systems and Methods for the Efficient Creation and Processing of Derivatives Trades | February 2019 | August 2021 | Abandon | 30 | 2 | 0 | No | No |
| 16275581 | SYSTEMS AND METHODS FOR ISSUER-SPECIFIED DOMAIN CONTROLS ON A PAYMENT INSTRUMENT | February 2019 | July 2022 | Allow | 41 | 4 | 1 | Yes | No |
| 16237208 | SYSTEMS AND METHODS FACILITATING ACCOUNT ACCESS DELEGATION | December 2018 | April 2021 | Allow | 28 | 2 | 0 | Yes | No |
| 16231258 | Method of Providing Collateral Financed Premium for Insurance Policy and System Thereof | December 2018 | April 2021 | Abandon | 28 | 1 | 1 | No | No |
| 16178986 | LIMIT PURCHASE PRICE BY STOCK KEEPING UNIT (SKU) | November 2018 | January 2023 | Allow | 50 | 6 | 0 | Yes | No |
| 16170930 | FUNDS TRANSFER AUTHENTICATION | October 2018 | December 2021 | Allow | 38 | 4 | 0 | Yes | No |
| 16167070 | VEHICLE BASED TRANSACTIONS | October 2018 | November 2021 | Allow | 37 | 4 | 0 | Yes | No |
| 16095580 | DOOR OPERATING SYSTEM | October 2018 | May 2021 | Allow | 30 | 2 | 0 | Yes | No |
| 16161812 | SECURE MOBILE CHECKOUT SYSTEM | October 2018 | May 2021 | Allow | 31 | 3 | 0 | Yes | No |
| 16147501 | Security Asset Packs | September 2018 | July 2021 | Allow | 34 | 3 | 0 | Yes | No |
| 16121991 | DATABASE CONFIGURATION FOR ASSET TRANSFERS | September 2018 | July 2024 | Allow | 60 | 6 | 0 | No | Yes |
| 16120388 | Configuration Platform | September 2018 | June 2021 | Abandon | 34 | 2 | 0 | No | No |
| 16119701 | Methods, System and Computer Program Product for Selectively Responding to Presentation of Payment Card Information | August 2018 | November 2022 | Allow | 51 | 6 | 0 | Yes | No |
| 16117136 | Intelligent Dynamic Authentication and Event Processing System | August 2018 | October 2021 | Allow | 37 | 4 | 0 | Yes | No |
| 16118145 | ROUTING TRANSACTIONS TO A PRIORITY PROCESSING NETWORK BASED ON ROUTING RULES | August 2018 | April 2021 | Allow | 31 | 3 | 0 | Yes | No |
| 16041966 | DELAY-FREE MATCHING FOR DEEMPHASIZING EFFECTS OF SPEED DIFFERENTIALS AMONG PRICE-MAKERS | July 2018 | August 2021 | Allow | 36 | 2 | 0 | Yes | No |
| 15983630 | SYSTEMS AND METHODS FOR AUTOMATED CUSTOMER RECURRING PAYMENT PROCESSING | May 2018 | July 2021 | Allow | 38 | 2 | 0 | Yes | No |
| 15924408 | METHOD AND SYSTEM FOR VEHICLE VALUATION USING TELEMATICS | March 2018 | July 2021 | Abandon | 40 | 3 | 0 | No | No |
| 15917023 | SYSTEM AND METHOD FOR IMPLEMENTING PAYMENT VIA QUICK RESPONSE (QR) CODE | March 2018 | May 2021 | Allow | 38 | 5 | 0 | Yes | No |
| 15915722 | System and Method for Processing and Adjudicating Coupons | March 2018 | March 2024 | Abandon | 60 | 4 | 0 | Yes | Yes |
| 15915900 | SUPPLEMENTAL DATA TRANSMISSION FOR NETWORK TRANSACTIONS | March 2018 | June 2021 | Allow | 39 | 5 | 0 | Yes | No |
| 15851117 | Systems and Methods for Providing Services to Network Traffic | December 2017 | August 2021 | Abandon | 44 | 2 | 0 | No | No |
| 15796334 | TRIP-SEGMENT PAYMENTS FOR VEHICLE INSURANCE | October 2017 | March 2022 | Allow | 52 | 3 | 1 | Yes | No |
| 15505652 | METHOD FOR PROCESSING A RECURRING TRANSACTION, CORRESPONDING DEVICE AND PROGRAM | February 2017 | June 2021 | Allow | 51 | 3 | 0 | Yes | No |
| 14996415 | METHOD AND SYSTEM FOR PROVIDING PERSONALIZED USER EXPERIENCES IN COMPLIANCE WITH SERVICE PROVIDER BUSINESS RULES | January 2016 | March 2021 | Allow | 60 | 2 | 1 | Yes | No |
This analysis examines appeal outcomes and the strategic value of filing appeals for examiner COBB, MATTHEW.
With a 50.0% reversal rate, the PTAB reverses the examiner's rejections in a meaningful percentage of cases. This reversal rate is in the top 25% across the USPTO, indicating that appeals are more successful here than in most other areas.
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, 50.0% of applications that filed an appeal were subsequently allowed. This appeal filing benefit rate is in the top 25% across the USPTO, indicating that filing appeals is particularly effective here. The act of filing often prompts favorable reconsideration during the mandatory appeal conference.
✓ Appeals to PTAB show good success rates. If you have a strong case on the merits, consider fully prosecuting the appeal to a Board decision.
✓ Filing a Notice of Appeal is strategically valuable. The act of filing often prompts favorable reconsideration during the mandatory appeal conference.
Examiner COBB, MATTHEW works in Art Unit 3698 and has examined 88 patent applications in our dataset. With an allowance rate of 73.9%, this examiner has a below-average tendency to allow applications. Applications typically reach final disposition in approximately 31 months.
Examiner COBB, MATTHEW's allowance rate of 73.9% places them in the 40% percentile among all USPTO examiners. This examiner has a below-average tendency to allow applications.
On average, applications examined by COBB, MATTHEW receive 2.57 office actions before reaching final disposition. This places the examiner in the 71% percentile for office actions issued. This examiner issues a slightly above-average number of office actions.
The median time to disposition (half-life) for applications examined by COBB, MATTHEW is 31 months. This places the examiner in the 57% percentile for prosecution speed. Prosecution timelines are slightly faster than average with this examiner.
Conducting an examiner interview provides a +47.2% benefit to allowance rate for applications examined by COBB, MATTHEW. This interview benefit is in the 91% percentile among all examiners. Recommendation: Interviews are highly effective with this examiner and should be strongly considered as a prosecution strategy. Per MPEP § 713.10, interviews are available at any time before the Notice of Allowance is mailed or jurisdiction transfers to the PTAB.
When applicants file an RCE with this examiner, 32.5% of applications are subsequently allowed. This success rate is in the 70% percentile among all examiners. Strategic Insight: RCEs show above-average effectiveness with this examiner. Consider whether your amendments or new arguments are strong enough to warrant an RCE versus filing a continuation.
This examiner enters after-final amendments leading to allowance in 9.8% of cases where such amendments are filed. This entry rate is in the 11% 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.
When applicants request a pre-appeal conference (PAC) with this examiner, 0.0% result in withdrawal of the rejection or reopening of prosecution. This success rate is in the 21% percentile among all examiners. Note: Pre-appeal conferences show limited success with this examiner compared to others. While still worth considering, be prepared to proceed with a full appeal brief if the PAC does not result in favorable action.
This examiner withdraws rejections or reopens prosecution in 33.3% of appeals filed. This is in the 6% percentile among all examiners. Strategic Insight: This examiner rarely withdraws rejections during the appeal process compared to other examiners. If you file an appeal, be prepared to fully prosecute it to a PTAB decision. Per MPEP § 1207, the examiner will prepare an Examiner's Answer maintaining the rejections.
When applicants file petitions regarding this examiner's actions, 90.9% are granted (fully or in part). This grant rate is in the 89% percentile among all examiners. Strategic Note: Petitions are frequently granted regarding this examiner's actions compared to other examiners. Per MPEP § 1002.02(c), various examiner actions are petitionable to the Technology Center Director, including prematureness of final rejection, refusal to enter amendments, and requirement for information. If you believe an examiner action is improper, consider filing a petition.
Examiner's Amendments: This examiner makes examiner's amendments in 0.0% of allowed cases (in the 40% percentile). This examiner makes examiner's amendments less often than average. You may need to make most claim amendments yourself.
Quayle Actions: This examiner issues Ex Parte Quayle actions in 0.0% of allowed cases (in the 47% percentile). This examiner issues Quayle actions less often than average. Allowances may come directly without a separate action for formal matters.
Based on the statistical analysis of this examiner's prosecution patterns, here are tailored strategic recommendations:
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.