Appeal 2006-3331
Application 10/829,797
15. Abecassis teaches that the deposit protection center is under the control
of an independent third party, i.e., unrelated to either party to the
transaction (Abecassis, col. 3, ll. 64-68).
16. Abecassis describes that in one embodiment, the user making a
payment by check enters a check number (at step 2206), the check
information is then transmitted (at step 2209) to the deposit center 40
and the transmitted information is tested (at step 411) for approval
(Abecassis, col. 8, ll. 44-55).
17. Abecassis teaches that the approval transaction entails first checking
whether or not the user has a valid identification password (Abecassis,
col. 8, ll. 55-57).
18. Abecassis further discloses in another embodiment a method for a
buyer to place a payment of a deposit on hold by means of an
interactive touch tone phone 103 (Abecassis, col. 10, ll. 43-46; Fig. 5).
19. To access the system, the user is asked via the touch tone phone system
to punch in the user’s key number and access code (Abecassis, col. 10,
ll. 52-57).
20. Tedesco discloses a method in which an account holder may use an
automated voice-response unit to request a reserve amount of funds for
payment with a check (Tedesco, col. 6, ll. 14-22).
21. The account holder uses the voice-response unit to send check data,
including an account identifier, to a bank device (Tedesco, col. 6,
ll. 28-35).
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