Appeal No. 2006-0989
Application No. 09/802,634
The following disclosures by O’Leary include the portion relied upon by the
examiner:
As the user accesses the Internet using its Browser 210, a Wallet
215 is launched by the user. The Wallet 215 can be downloaded and
installed from a website. Using thin wallet technology, the majority of
software and databases comprising the Wallet 215 resides on a host web
server and the user accesses the Wallet 215 through a website or a button
(e.g., icon) on the Browser 210. Some functionality of the Wallet 215 can
be operated on the workstation 200 itself, without the requirement of
attachment to the Internet. In addition to PC-based access as described
above, the Wallet 215 can be downloaded to various non-PC devices such
as PDAs, cellular telephones, and interactive TV’s. The consumer may
access the Wallet 215 while logged onto the Internet by selecting a wallet
button on the Browser 210 toolbar, or selecting a wallet icon at the
merchant’s web site. For non-PC devices, the Wallet 215 can be
activated via a separate application, a browser link, or through a
sponsoring website. [col. 9, lines 9-26]
* * *
Next, in step 9C the user sets up the PPP [payment portal
processor] enhanced Wallet 215 for use by choosing “Install a Web
Wallet” from the menu. The user is instructed that its PPP enhanced
Wallet will now be installed as a button on the browser 210 toolbar. Once
the software for the PPP enhanced Wallet 215 has been installed on the
user’s system (e.g., the user’s PC or web server), the user is prompted to
provide some background information that will assist the user in making
web purchases and payments. An example of some of the background
information requested includes the user’s shipping name address. At this
point, the PPP enhanced Wallet 215 installation is complete and the user
can perform any of the methods described above with respect to FIGS. 1-
8. As previously described, using thin Wallet technology, the majority of
the software and data associated with the PPP enhanced Wallet 215
resides on a server maintained by the XYZBank 965. [col. 26, lines 43-59]
Although O’Leary discloses that the wallet can be downloaded to non-PC
devices, the disclosures that the wallet is accessed via a separate application, a
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Last modified: November 3, 2007