Ex Parte Ramsey Catan - Page 16

                Appeal 2007-0820                                                                               
                Application 09/734,808                                                                         
           1                 Dethloff et al discloses bio-authentication                                       
           2                 information as the identification information                                     
           3                 further as a voice sensor (col 11, lines 25-30), a                                
           4                 local storage device for the memory further where                                 
           5                 the memory is part of the consumer electronics                                    
           6                 device (col 11, lines 2-24), sending account holder                               
           7                 information over the communication link, a match                                  
           8                 detected and determining a sub-credit limit that is                               
           9                 not exceeded (col 13, lines 67-68; col 14,                                        
          10                 lines 1-8).                                                                       
          11    (Answer 5.)  We agree with the Examiner that Dethloff discloses that instead                   
          12    of using a PIN for authentication, a voice print (a type of bioauthentication)                 
          13    may be used as the sub-user enabling code (FF 18).  As such, Dethloff                          
          14    teaches that it was known in the art at the time of the invention to substitute                
          15    a PIN authentication with bioauthentication to enable a user to access credit                  
          16    via a consumer electronics device (FF 18).                                                     
          17          We find, based on our examination of the prior art and the state of the                  
          18    art in consumer electronic devices, that the art evidences a common usage of                   
          19    personal codes or personal identification numbers (PINs) to identify or                        
          20    authenticate users (FF 19).  The art further shows that one of ordinary skill                  
          21    in the consumer electronic device art at the time of the invention would have                  
          22    been familiar with using bioauthentication information interchangeably with                    
          23    or in lieu of PINs to authenticate users (FF 20). It is also clear from an                     
          24    examination of the prior art that those of ordinary skill in the consumer                      
          25    electronic device art at the time of the invention would have been familiar                    
          26    with using bioauthentication devices to obtain bioauthentication information                   
          27    to identify users (FF 21).                                                                     
          28                                                                                                   
          29          Obviousness                                                                              

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