Appeal Number: 2006-2286
Application Number: 09/165,352
As the examiner has pointed out, Norris also describes data importing (fig.
26), notification (col. 7 lines 55-65), scoring (col. 4 lines 43-53), and underwriting
(col. 8 lines 29-47).
It would have been obvious to one of ordinary skill in the art to have applied
Rothenberg’s teachings of the attributes of good competitive loans to Norris’
teachings of online loans because of Rothenberg’s taught application of
competitive loans to online access methods, for which a person of ordinary skill in
the art would have read Norris for details on the design aspects of such systems.
Accordingly, we reject the three independent claims 77, 81 and 93 under
35 U.S.C. § 103 as obvious over Norris and Rothenberg. We leave the
consideration of the applicability of these references to the remaining dependent
claims to the examiner.
REMARKS
The examiner is advised to consult the following documents available online
from the U.S. Comptroller of the Currency regarding details behind many of the
loan practices that are pertinent to the claimed subject matter:
1998 Survey of Credit Underwriting Practices1, September 1998
Loan Portfolio Management Comptroller’s Handbook2, April 1998
Also, the Comptroller of the Currency web site (www.occ.treas.gov) has
many other publications pertinent to the financial aspects of loans and banking.
1 http://www.occ.treas.gov/cusurvey/scup98.pdf
2 http://www.occ.treas.gov/handbook/lpm.pdf
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