Ex Parte DERISO et al - Page 9



          Appeal No. 2004-1959                                                        
          Application No. 09/465,465                                                  

               Lastly, we also sustain the Examiner’s 35 U.S.C. § 103(a)              
          rejection of claims 5, 6, and 14 based on the combination of                
          Gerace and Schutzer.  With respect to claim 5, we find no error             
          in the Examiner’s line of reasoning (Answer, pages 7-9) which               
          establishes motivation for the combination of Gerace and                    
          Schutzer.  In our view, the skilled artisan would have been                 
          motivated and found it obvious to enhance the statement                     
          presentation system of Gerace by including billing statements as            
          suggested by Schutzer (column 12, lines 25-37).  Further, we find           
          clear disclosure at column 2, lines 15-23 and column 20, line               
          21 of Gerace for the color display feature of claim 6, as well as           
          a description of the mailing feature of claim 14 at column 21,              
          lines 23-28 and lines 50-52 of Gerace.                                      
               In summary, we have sustained the Examiner’s 35 U.S.C.                                                                 
          § 102(e) rejection of claims 1-4, 7-13, and 15-17 as well as the            
          35 U.S.C. § 103(a) rejections of claims 5, 6, and 14.  Therefore,           
          the decision of the Examiner rejecting claims 1-17 is affirmed.             


                                                                                     
                                                                                     

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