Appeal 2007-2451
Application 10/694,925
1 3) Melchione suggests that all operations associated with opening an
2 account that has multiple financial components be done in a single
3 session.
4 Thus, we find that this limitation, that the stored-value account and the credit
5 account was linked substantially contemporaneously with issuance of the
6 instrument to the customer, has little patentable weight, was known to be
7 functionally equivalent to similar linking at any time prior to the use of the card,
8 would have generally occurred at the time of card issuance, and was suggested by
9 Melchione to those of ordinary skill.
10 Thus, we find the Appellant’s arguments unpersuasive, and that the Examiner
11 has shown that the combination of Blossom, Cameron, and Melchione describe all
12 of the claimed subject matter and that it would have been obvious to a person of
13 ordinary skill in the art to have combined their teachings to form the claimed
14 invention.
15
16 CONCLUSIONS OF LAW
17
18 The Examiner has shown that the combination of Blossom, Cameron, and
19 Melchione describe all of the claimed subject matter and that it would have been
20 obvious to a person of ordinary skill in the art to have combined their teachings at
21 the time the invention was made to arrive at the claimed subject matter.
22 Accordingly we sustain the Examiner's rejection of claims 1-7 under 35 U.S.C. §
23 103(a) as obvious over Blossom, Cameron, and Melchione.
24
19
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