Appeal 2007-0820
Application 09/734,808
1 12. Harada suggests that bioauthentication information, such as a
2 fingerprint, unambiguously and reliably ensures that a specific
3 authorized user is requesting the service.
4 13. We further note that use of a PIN code as an identifier is not as
5 desirable as bioauthentication information because the use of a
6 PIN requires the user to remember the PIN code.
7 14. Dethloff is directed to “plastic devices, comprising integrated
8 circuits, commonly called ‘smart cards’” (Dethloff, col. 1,
9 ll. 12-18).
10 15. Dethloff is specifically directed to modules or “M-cards” which
11 comprise a keyboard for entering, for example, identification
12 and transaction data, a memory for storing data, a logic means,
13 and a display (Dethloff, col. 9, ll. 57-68).
14 16. Dethloff’s M-card contains means to assign the card to a
15 number of sub-users (Dethloff, col. 5, ll. 19-20), each of which
16 can be designated a particular value (Dethloff, col. 5, ll. 20-28).
17 This is accomplished by the card-holder assigning each sub-
18 user a PIN and a transaction limit (see, e.g., Dethloff, col. 6, ll.
19 64- col. 7, l. 4; Fig. 9), which are stored in a memory means in
20 the card (PIN: Dethloff, col. 11, l. 10; transaction limit:
21 Dethloff, col. 13, ll. 17-21).
22 17. In operation, a sub-user will authenticate the M-card by
23 inputting a PIN which the card then internally checks for
24 correctness (Dethloff, col. 10, ll. 63-67; see also col. 13, ll. 35-
25 38). This then triggers a means within the card to open a
26 transaction account assigned to the sub-user (Dethloff, col. 12,
7
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