Ex Parte FOX et al - Page 6




          Appeal No. 2003-0072                                                        
          Application No. 09/032,407                                                  


          method disclosed by Ginter “because such modifications would have           
          provided ‘a separate algorithm for digital signatures that cannot           


          be used for encryption.’” (Answer-page 6, quoting Schneier at               
          page 37).                                                                   
               Then, at page 7 of the answer, the examiner indicates that             
          Ginter shows elements suggesting “enabling a first party to apply           
          for registration with a second party, the first party having                
          access to financial resources through the second party...”                  
          (identifying column 42, lines 4-16, column 210, lines 49-52, and            
          column 223, lines 14-16 of Ginter) and elements suggesting                  
          “transferring the commercial relationship certificate to the                
          first party from the second party over the unsecure network, the            
          commercial relationship certificate being digitally signed by the           
          second party and including the certified identifier...”                     
          (identifying column 261, lines 10-47 of Ginter).                            
               Because Gitner lacks an explicit recitation of “a commercial           
          relationship certificate...,” the examiner interprets Ginter’s              
          certificate as a commercial relationship certificate and also               
          refers to the Rosen (518) disclosure of a “certificate” at column           
          5, lines 38-40.                                                             
               Since Ginter fails to explicitly show “an index to the                 
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