Detailed information about the 100 most recent patent applications.
| Application Number | Title | Filing Date | Disposal Date | Disposition | Time (months) | Office Actions | Restrictions | Interview | Appeal |
|---|---|---|---|---|---|---|---|---|---|
| 19243480 | SETTLEMENT AND APPROVAL SERVICE | June 2025 | October 2025 | Allow | 4 | 1 | 0 | No | No |
| 19217454 | METHOD AND APPARATUS FOR PROVIDING AFTER TAX VALUATION OF TAX-EXEMPT BONDS | May 2025 | October 2025 | Allow | 4 | 1 | 0 | No | No |
| 19209423 | DYNAMIC TRANSACTION CARD PROTECTED BY MULTI-FACTOR AUTHENTICATION | May 2025 | November 2025 | Allow | 6 | 1 | 0 | No | No |
| 19206937 | Dynamic Deposit and Production Data Objects in an Insurance Brokerage Accounting System | May 2025 | December 2025 | Allow | 7 | 1 | 0 | No | No |
| 19190338 | INJURY ASSISTANCE MODEL | April 2025 | October 2025 | Allow | 6 | 1 | 0 | No | No |
| 19188315 | MACHINE-LEARNING METHOD OF LOSS PREDICTION USING INCIDENT INFORMATION | April 2025 | March 2026 | Allow | 11 | 2 | 0 | No | No |
| 19096158 | SYSTEM AND METHOD FOR COVERING COST OF DELIVERING REPAIR AND MAINTENANCE SERVICES TO PREMISES OF SUBSCRIBERS INCLUDING PRICING TO RISK | March 2025 | December 2025 | Allow | 8 | 1 | 0 | No | No |
| 19037964 | USAGE ESTIMATION SYSTEMS AND METHODS FOR RISK ASSOCIATION ADJUSTMENTS | January 2025 | January 2026 | Allow | 11 | 0 | 0 | No | No |
| 19023700 | METHODS FOR AUGMENTED-REALITY SYSTEMS FOR ENABLING RAPID SELECTION OF VIRTUAL SELECTABLE FEATURES WITH LIMITED USER INTERACTION | January 2025 | September 2025 | Allow | 8 | 0 | 0 | No | No |
| 19007770 | EXCHANGE FOR PHYSICALS | January 2025 | October 2025 | Allow | 9 | 2 | 0 | Yes | No |
| 19007141 | System and Method for Cybersecurity Risk Monitoring and Evaluation in Connected and Autonomous Vehicles | December 2024 | August 2025 | Allow | 8 | 2 | 0 | Yes | No |
| 19002642 | IDENTITY INFORMATION CONTROLLED FINANCIAL ACCOUNT DEVICE | December 2024 | January 2026 | Allow | 13 | 0 | 0 | No | No |
| 18959948 | EXCHANGE FEED FOR TRADE REPORTING HAVING REDUCED REDUNDANCY | November 2024 | January 2026 | Allow | 14 | 0 | 0 | No | No |
| 18953497 | DIGITAL PLATFORM FOR CONNECTING INSURANCE RELATED TRANSACTIONS | November 2024 | May 2025 | Allow | 6 | 1 | 0 | Yes | No |
| 18953996 | Contextual Searching | November 2024 | March 2026 | Allow | 15 | 0 | 0 | Yes | No |
| 18942268 | DYNAMIC TRANSACTION CARD PROTECTED BY MULTI-FACTOR AUTHENTICATION | November 2024 | January 2025 | Allow | 2 | 0 | 0 | No | No |
| 18931970 | CHECKOUT DEVICES | October 2024 | February 2025 | Allow | 4 | 1 | 0 | No | No |
| 18928746 | CROSS-SERVICE TRANSACTIONS FOR PEER-TO-PEER (P2P) PAYMENT PLATFORMS | October 2024 | November 2025 | Allow | 13 | 0 | 0 | No | No |
| 18927608 | AUTOMATED COMPUTING RESOURCE ALLOCATION AND COMPARISON VALIDATING OWNERSHIP AND TRANSACTION COMPLETION | October 2024 | July 2025 | Allow | 8 | 2 | 0 | No | No |
| 18924787 | AUTOMATED SYSTEM AND METHOD FOR COLLATEFRAL MANAGEMENT | October 2024 | March 2026 | Abandon | 17 | 1 | 0 | No | No |
| 18914632 | POSITIONAL TICKETING | October 2024 | October 2025 | Allow | 12 | 0 | 0 | No | No |
| 18914878 | Method, System, and Computer Program Product for Generating a Payment Device Using a Virtual Environment | October 2024 | October 2025 | Allow | 12 | 0 | 0 | No | No |
| 18912285 | Financial Autopilot | October 2024 | October 2025 | Allow | 12 | 0 | 0 | No | No |
| 18893681 | REAL-TIME PROVISIONING OF TARGETED RECOMMENDATIONS BASED ON DECOMPOSED STRUCTURED MESSAGING DATA | September 2024 | October 2025 | Allow | 13 | 0 | 0 | No | No |
| 18885151 | PRE-MATCHING ORDERS AT WIRE RATE IN A CENTRAL LIMIT ORDER BOOK | September 2024 | September 2025 | Allow | 12 | 0 | 0 | No | No |
| 18824196 | METHOD AND APPARATUS FOR PROVIDING AFTER TAX VALUATION OF TAX-EXEMPT BONDS | September 2024 | March 2025 | Allow | 6 | 1 | 0 | No | No |
| 18821488 | AUGMENTED REALITY DEVICE FOR PERFORMING PAYMENT BY USING GAZE INFORMATION OF USER, AND METHOD OPERATED BY THE AUGMENTED REALITY DEVICE | August 2024 | January 2026 | Allow | 17 | 0 | 0 | No | No |
| 18802358 | EXCHANGE FOR PHYSICALS | August 2024 | October 2024 | Allow | 2 | 0 | 0 | Yes | No |
| 18785837 | PAYMENT SYSTEM FOR SUPPORTING SPLIT PAYMENT AND METHOD FOR PERFORMING SPLIT PAYMENT THEREOF | July 2024 | November 2025 | Abandon | 16 | 3 | 0 | Yes | No |
| 18781851 | METHODS AND SYSTEMS FOR AUTOMATICALLY EXECUTING ORDERS USING GESTURE-BASED TRIGGERS | July 2024 | January 2026 | Allow | 17 | 1 | 0 | Yes | No |
| 18779371 | SYSTEM AND METHOD FOR PROCESSING CLAIMS FOR USERS OF A CLAIM READINESS WORKFLOW ECOSYSTEM | July 2024 | August 2025 | Abandon | 13 | 2 | 0 | Yes | No |
| 18773671 | METHOD, SYSTEM AND PROGRAM FOR DETERMINING INSURANCE RATE FOR PET BY USING AT LEAST ONE INTERNET OF THINGS (IOT) DEVICE USED IN DAILY LIFE OF PET | July 2024 | February 2026 | Abandon | 19 | 1 | 0 | No | No |
| 18770045 | SYSTEMS AND METHODS FOR UNMANNED VEHICLE MANAGEMENT | July 2024 | October 2025 | Allow | 15 | 0 | 0 | No | No |
| 18769057 | CARD READER TERMINAL WITH EXTERNAL CONTACTLESS ANTENNA | July 2024 | August 2025 | Allow | 13 | 0 | 0 | No | No |
| 18766709 | Payment method, system and computer software product | July 2024 | November 2025 | Abandon | 16 | 2 | 0 | No | No |
| 18767756 | USING RISK METRICS TO FACILITATE TRANSACTIONS | July 2024 | February 2026 | Allow | 20 | 1 | 0 | Yes | No |
| 18762520 | DIGITAL BANKER APPLICATION SYSTEM | July 2024 | December 2025 | Allow | 17 | 1 | 0 | No | No |
| 18759270 | Mini-Graph Based Fraud Detection | June 2024 | October 2025 | Allow | 16 | 0 | 0 | No | No |
| 18755923 | TOUCHLESS AUTHENTICATION METHOD AND SYSTEM | June 2024 | July 2025 | Allow | 12 | 0 | 0 | No | No |
| 18748976 | ELECTRONIC TRADING USING MARKET DATA CHANNELS | June 2024 | July 2025 | Allow | 13 | 1 | 0 | Yes | No |
| 18748184 | SYSTEM AND METHOD FOR APPORTIONING TRADING ORDERS BASED ON SIZE OF DISPLAYED QUANTITIES | June 2024 | January 2026 | Allow | 19 | 2 | 0 | No | No |
| 18746148 | Automated Model Generation Platform for Recursive Model Building | June 2024 | July 2025 | Allow | 13 | 0 | 0 | No | No |
| 18744442 | Lean Level Support for Trading Strategies | June 2024 | December 2025 | Allow | 18 | 1 | 0 | No | No |
| 18719659 | SYSTEM, DEVICE AND METHOD FOR DIGITAL PAYMENT | June 2024 | May 2025 | Allow | 11 | 1 | 0 | No | No |
| 18742802 | PROFILE BASED VIDEO CREATION | June 2024 | October 2025 | Allow | 16 | 1 | 0 | No | No |
| 18740127 | CUSTOMIZED RISK RELATIONSHIP USER INTERFACE WORKFLOW | June 2024 | October 2025 | Allow | 16 | 1 | 0 | No | No |
| 18679638 | SYSTEMS AND METHODS FOR BLOCKCHAIN-BASED CERTIFIED RANDOM FUNCTION USING QUANTUM RANDOM CIRCUIT GENERATOR | May 2024 | February 2026 | Allow | 21 | 0 | 0 | No | No |
| 18674741 | AUTOGENERATE INTERVIEW TOPICS | May 2024 | February 2026 | Allow | 21 | 1 | 0 | No | No |
| 18666688 | INTERCHANGE PRICING FOR FINANCIAL TRANSACTIONS | May 2024 | January 2026 | Allow | 20 | 1 | 0 | No | No |
| 18660937 | MULTI-DIMENSIONAL ORDER MESSAGE INTERFACE | May 2024 | May 2025 | Allow | 13 | 1 | 0 | No | No |
| 18656429 | SYSTEM AND METHOD FOR RULES-DRIVEN ADJUDICATION | May 2024 | January 2025 | Allow | 9 | 1 | 0 | No | No |
| 18654137 | GENERATION OF A COMBINATORIAL PAYMENT QR CODE | May 2024 | January 2025 | Allow | 8 | 0 | 0 | No | No |
| 18649728 | SYSTEMS AND METHODS FOR WEATHER-RELATED VEHICLE DAMAGE PREVENTION | April 2024 | March 2025 | Allow | 11 | 0 | 0 | Yes | No |
| 18649743 | SYSTEMS AND METHODS FOR WEATHER-RELATED VEHICLE DAMAGE PREVENTION | April 2024 | December 2025 | Allow | 19 | 1 | 0 | Yes | No |
| 18649871 | SYSTEMS AND METHODS INVOLVING A HUB PLATFORM AND COMMUNICATION NETWORK CONFIGURED FOR PROCESSING DATA INVOLVING TIME-STAMPED/TIME-SENSITIVE ASPECTS AND/OR OTHER FEATURES | April 2024 | January 2026 | Allow | 21 | 1 | 0 | No | No |
| 18649978 | SYSTEMS AND METHODS INVOLVING A HUB PLATFORM AND COMMUNICATION NETWORK CONFIGURED FOR PROCESSING DATA INVOLVING TIME-STAMPED/TIME-SENSITIVE ASPECTS AND/OR OTHER FEATURES | April 2024 | March 2025 | Allow | 11 | 1 | 0 | No | No |
| 18649471 | IDENTITY INFORMATION CONTROLLED FINANCIAL ACCOUNT | April 2024 | July 2025 | Allow | 14 | 0 | 0 | No | No |
| 18643603 | Systems and Methods for Generating a Home Score and Modifications for a User | April 2024 | February 2026 | Allow | 22 | 2 | 0 | Yes | No |
| 18643968 | Systems And Methods For Determining Electric Pulses To Provide To An Unattended Machine Based On Remotely-Configured Options | April 2024 | September 2024 | Allow | 5 | 0 | 0 | No | No |
| 18643961 | Method and System for Asynchronous Mobile Payments for Multiple In-Person Transactions Conducted in Parallel | April 2024 | August 2024 | Allow | 4 | 0 | 0 | No | No |
| 18643671 | THROTTLING MODIFICATION MESSAGES | April 2024 | February 2025 | Allow | 10 | 1 | 0 | No | No |
| 18639809 | SYSTEM-BASED DETECTION OF CARD SHARING AND FRAUD | April 2024 | January 2026 | Allow | 21 | 1 | 0 | Yes | No |
| 18638665 | Systems and Methods Involving a Hub Platform and Communication Network Configured for Processing Data Involving Time-Stamped/Time-Sensitive Aspects and/or Other Features | April 2024 | October 2025 | Allow | 18 | 1 | 0 | No | No |
| 18635401 | EXCHANGE FOR PHYSICALS | April 2024 | June 2024 | Allow | 2 | 0 | 0 | Yes | No |
| 18634998 | SYSTEMS AND METHODS INVOLVING A HUB PLATFORM AND COMMUNICATION NETWORK CONFIGURED FOR PROCESSING DATA INVOLVING TIME-STAMPED/TIME-SENSITIVE ASPECTS AND/OR OTHER FEATURES | April 2024 | January 2025 | Abandon | 9 | 1 | 0 | Yes | No |
| 18630581 | PAYMENT SYSTEM USING CUSTOMER'S FINGERPRINTS | April 2024 | July 2025 | Allow | 15 | 1 | 0 | No | No |
| 18630237 | METHOD AND SYSTEM FOR TRACKING PERSONAL PROPERTY COLLATERAL | April 2024 | March 2025 | Allow | 12 | 1 | 0 | No | No |
| 18629456 | PEER-TO-PEER PAYMENT PROCESSING | April 2024 | September 2025 | Allow | 18 | 2 | 0 | No | No |
| 18627101 | COMPUTER-BASED SYSTEMS CONFIGURED TO AUTOMATICALLY PROGRAM A PLURALITY OF CONTROLS TO MODIFY A COMMUNICATION SESSION ASSOCIATED WITH A TRANSACTION AND METHODS OF USE THEREOF | April 2024 | January 2026 | Allow | 22 | 4 | 0 | No | Yes |
| 18626059 | SYSTEM AND METHOD FOR OMNIDIRECTIONAL SYNCING OF PAYMENT DATA | April 2024 | September 2025 | Abandon | 17 | 3 | 0 | Yes | No |
| 18623893 | SYSTEMS AND METHODS FOR IDENTIFYING FULL ACCOUNT NUMBERS FROM PARTIAL ACCOUNT NUMBERS | April 2024 | September 2025 | Allow | 17 | 2 | 0 | Yes | No |
| 18622191 | ANALYZING SUBMISSION FOR RISK ASSESSMENT BASED ON RULE SET | March 2024 | November 2025 | Allow | 20 | 3 | 0 | Yes | No |
| 18622163 | EXTRACTING RULES AND DETERMINING RISK PARAMETERS FROM AN UNDERWRITING MANUAL | March 2024 | October 2025 | Allow | 19 | 3 | 0 | Yes | No |
| 18618653 | Targeted Messaging Process | March 2024 | July 2025 | Allow | 15 | 1 | 0 | Yes | No |
| 18616176 | SETTLEMENT AND APPROVAL SERVICE | March 2024 | June 2025 | Allow | 14 | 3 | 0 | Yes | No |
| 18612677 | SYSTEMS AND METHODS FOR AUTOMATICALLY MITIGATING RISK OF PROPERTY DAMAGE | March 2024 | February 2025 | Allow | 11 | 1 | 0 | Yes | No |
| 18611774 | SYSTEM FOR DETECTION AND RECORDATION OF FUNCTIONAL CODE LOGIC COMPONENTS ON A DISTRIBUTED DEVELOPMENT PLATFORM | March 2024 | November 2024 | Allow | 8 | 1 | 0 | No | No |
| 18610842 | UTILIZING CARD MOVEMENT DATA TO IDENTIFY FRAUDULENT TRANSACTIONS | March 2024 | February 2025 | Allow | 11 | 1 | 0 | No | No |
| 18609626 | INSURANCE LOSS RATIO FORECASTING FRAMEWORK | March 2024 | December 2025 | Abandon | 21 | 1 | 0 | No | No |
| 18599686 | RANDOMIZATION OF ORDERS AT MATCHING IN ELECTRONIC TRADING SYSTEMS | March 2024 | February 2025 | Allow | 12 | 1 | 0 | No | No |
| 18595786 | JAILED ENVIRONMENT RESTRICTING PROGRAMMATIC ACCESS TO MULTI-TENANT DATA | March 2024 | May 2025 | Allow | 15 | 2 | 0 | Yes | No |
| 18594593 | INFORMATION-MARKET SYSTEM | March 2024 | October 2024 | Allow | 8 | 0 | 0 | No | No |
| 18592617 | BANKING AT A MULTI-LEVEL ATM | March 2024 | February 2025 | Allow | 11 | 0 | 0 | No | No |
| 18593786 | SYSTEMS AND METHODS FOR BUILDING AND MANAGING AN INTEGRATED PERMANENT LIFE INSURANCE PRODUCT USING INDIVIDUAL TERM AND ANNUITY POLICIES | March 2024 | January 2026 | Allow | 23 | 2 | 0 | No | No |
| 18592350 | System and Method for Network Synchronization | February 2024 | December 2024 | Allow | 9 | 1 | 0 | Yes | No |
| 18591116 | Machine Learning System for Summarizing Tax Documents With Non-Structured Portions | February 2024 | December 2024 | Allow | 10 | 1 | 0 | No | No |
| 18590314 | MANAGING MERCHANT COMMUNICATIONS | February 2024 | January 2025 | Allow | 11 | 1 | 0 | No | No |
| 18589447 | Systems and Methods Involving a Hub Platform and Communication Network Configured for Processing Data Involving Time-Stamped/Time-Sensitive Aspects and/or Other Features | February 2024 | July 2024 | Allow | 5 | 1 | 0 | No | No |
| 18589299 | SYSTEMS AND METHODS FOR DIGITAL ACCOUNT ACTIVATION | February 2024 | March 2025 | Allow | 13 | 0 | 0 | Yes | No |
| 18588984 | Touchless Transaction on a Transaction Terminal | February 2024 | February 2025 | Allow | 12 | 1 | 0 | No | No |
| 18585645 | DYNAMIC MARKET DATA FILTERING | February 2024 | December 2024 | Allow | 10 | 0 | 0 | Yes | No |
| 18586395 | SYSTEM AND METHOD FOR PROVIDING A GROUP PAYMENT VEHICLE | February 2024 | December 2024 | Allow | 10 | 2 | 0 | Yes | No |
| 18584593 | SETTLEMENT DEVICE AND METHOD FOR SETTLEMENT DEVICE | February 2024 | February 2026 | Abandon | 24 | 1 | 0 | No | No |
| 18583950 | MULTICOMPUTER DISTRIBUTED PROCESSING OF LINKED ORDERS | February 2024 | May 2025 | Abandon | 14 | 1 | 0 | No | No |
| 18439643 | GESTURE-ENABLED INTERFACES, SYSTEMS, METHODS, AND APPLICATIONS FOR CUSTOM DESIGNING NON-LEVEL LIFE INSURANCE BENEFITS POLICIES AND SUPPORTING CUSTOMIZED PRICING | February 2024 | March 2026 | Allow | 25 | 2 | 0 | No | No |
| 18439500 | PAYMENT VEHICLE WITH ON AND OFF FUNCTION | February 2024 | July 2025 | Allow | 17 | 2 | 0 | Yes | No |
| 18439512 | SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA CURBSIDE SERVICE | February 2024 | January 2025 | Allow | 11 | 1 | 0 | No | No |
| 18436791 | SYSTEM AND METHOD OF USING AN IMAGE OBJECT AS A VISUAL DATA CONTAINER | February 2024 | December 2024 | Allow | 10 | 1 | 0 | No | No |
| 18435151 | Secure Transactions Over Communications Sessions | February 2024 | May 2025 | Allow | 15 | 1 | 0 | No | No |
| 18433667 | SYSTEMS AND METHODS FOR RENORMALIZATION OF DATA DRIVING FINANCIAL VALUATION | February 2024 | September 2025 | Abandon | 19 | 3 | 1 | No | No |
This analysis examines appeal outcomes and the strategic value of filing appeals for art-unit 3696.
With a 15.2% reversal rate, the PTAB affirms the examiner's rejections in the vast majority of cases. This reversal rate is in the bottom 25% across the USPTO, indicating that appeals face significant challenges here.
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, 23.5% of applications that filed an appeal were subsequently allowed. This appeal filing benefit rate is in the bottom 25% across the USPTO, indicating that filing appeals is less effective here than in most other areas.
⚠ Appeals to PTAB face challenges. Ensure your case has strong merit before committing to full Board review.
⚠ Filing a Notice of Appeal shows limited benefit. Consider other strategies like interviews or amendments before appealing.
Art Unit 3696 is part of Group 3690 in Technology Center 3600. This art unit has examined 4,558 patent applications in our dataset, with an overall allowance rate of 46.9%. Applications typically reach final disposition in approximately 39 months.
Art Unit 3696's allowance rate of 46.9% places it in the 6% percentile among all USPTO art units. This art unit has a significantly lower allowance rate than most art units at the USPTO.
Applications in Art Unit 3696 receive an average of 2.80 office actions before reaching final disposition (in the 94% percentile). The median prosecution time is 39 months (in the 18% percentile).
When prosecuting applications in this art unit, consider the following:
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.