Ex Parte PHILLIPS et al - Page 17




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


             three broad teaching of the Your Choice MasterCard prepaid card would require us to                      
             resort to speculation. Deficiencies in the factual basis cannot be supplied by resorting to              
             speculation or unsupported generalizations.  In re Freed, 425 F.2d 785, 787, 165                         
             USPQ 570, 571 (CCPA 1970); In re Warner, 379 F.2d 1011, 1017, 154 USPQ 173,                              
             178 (CCPA 1967).  The examiner’s individual modifications to the teachings of Your                       
             Choice leaves us with uncertainty as to the combination of all of the modifications.                     
             Therefore, we cannot sustain the rejection of independent claim 53 and its dependent                     
             claims 54-58, 60 and 62.  Similarly, we will not sustain the rejection of claims 72-75, 77,              
             79-82, 84, 86, 98-100, 103, and 104 which have been similarly rejected.                                  
                                                   GROUP TWO                                                          
                    With respect to independent claim 612, Group Two is directed to a gift card                       
             sponsor promoted gift card with a rebate.  Appellants argue that the Office has failed to                
             provide a prima facie case of obviousness and that there is no evidence to establish                     
             that one of ordinary skill in the art would modify Your Choice according to all of the                   
             Official Notices in the Office action.  (See brief at page 14.)  We agree with appellants                
             as discussed above.  We find that the examiner’s additional reliance upon More                           
             Retailer’s does not remedy the noted deficiency in the Your Choice combination.                          




                    2  We note that claim 62 depends from claim 60 which depends on dependent claim 54 and            
             independent claim 53, but which has the same limitation as claim 62.                                     
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