Ex Parte PHILLIPS et al - Page 15




             Appeal No. 2001-1862                                                                                     
             Application No. 09/102,044                                                                               


             used points.  Therefore, appellants’ argument that Your Choice teaches away since the                    
             employer maintains control over the card is not persuasive.  (See brief at page 11.)                     
             With this said, we also do not find support for the examiner’s position with respect to the              
             employee adding funds to the Your Choice card.  (See answer at pages 32-34.)                             
             Turning to the language of independent claim 53, we find that the claim merely sets                      
             forth a positive limitation that the account is only accessible to the recipient and a                   
             negative limitation that the purchaser is unable to add funds to the account beyond the                  
             initial issue amount.  Here, we find that Your Choice teaches both limitations.  It                      
             teaches the values are set at the time of issue and the recipient can check the available                
             funds thereby having access to the account.  Therefore, appellants’ argument is not                      
             persuasive.                                                                                              
                    Appellants argue that the Office cannot shift the burden to appellants to prove                   
             that the many modifications would have not been obvious.  (See brief at pages 11 et                      
             seq.)  We agree with appellants. While the examiner has set forth many old and well-                     
             known facts in the credit, debit and prepaid card relevant arts and taken Official Notice                
             thereof, appellants did not controvert these individual facts until the Reply brief.                     
             Therefore, we will accept them as admitted.  With this said, appellants have continually                 
             traversed the combination of these teachings and facts.  We agree with appellants that                   





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