Ex Parte Grounds - Page 1



          The opinion in support of the decision being entered today was              
          not written for publication and is not binding precedent of the             
          Board.                                                                      



                      UNITED STATES PATENT AND TRADEMARK OFFICE                       
                                                                                     
                         BEFORE THE BOARD OF PATENT APPEALS                           
                                  AND INTERFERENCES                                   
                                                                                     
                              Ex parte GAVIN A. GROUNDS                               
                                                                                     
                                Appeal No. 2005-1615                                  
                               Application 09/800,535                                 
                                                                                     
                                      ON BRIEF                                        
                                                                                     
          Before HAIRSTON, OWENS, and NAPPI, Administrative Patent Judges.            
          OWENS, Administrative Patent Judge.                                         

                                 DECISION ON APPEAL                                   
               This appeal is from a rejection of claims 1, 2, 4-6, 8-46,             
          48, 50 and 52-59, which are all of the pending claims.                      
                                    THE INVENTION                                     
               The appellant claims an apparatus, method and encoded logic            
          for processing financial transactions.  Claim 19, which claims              
          the method, is illustrative:                                                

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