Appeal No. 2003-2102 Page 8
Application No. 09/254,723
without relying upon a check of the customer's credit report.
For example, if the transaction total was $200.00 and the
customer had $198.00 in the account, because of the small
difference, the bank may go ahead and advance the $2.00 to the
customer without checking the customer's credit report. This
does not mean that the bank has carried out a credit rating
check, and will release the money for payment if a positive
result of the credit rating check occurs. We additionally find
that Vazvan does not inherently carry out a rating credit check,
because inherency cannot be established by possibilities or
probabilities. To be inherent, in Vazvan, it must necessarily
follow from the operation of the reference that the credit check
report occurs; which the examiner has failed to establish.
Moreover, even assuming, arguendo, that Vazvan discloses
carrying out a credit rating check and releases the money for
payment if a positive result of the credit rating check occurs,
the combined teachings of Vazvan and Heinonen fail to suggest the
claimed invention because the references, either alone, or in
combination, fail to teach or suggest the claimed "displaying the
amount of money entered at the business terminal at the user
terminal via the call" for the reasons provided by appellant in
the reply brief. From our review of Vazvan and Heinonen, we
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