Ex parte GRISWOLD - Page 6




          Appeal No. 95-3919                                                          
          Application No. 07/907,934                                                  


          determination includes checking on the status of a customer                 
          account associated with the customer terminal, and may include              
          determining the eligibility of the customer to retrieve data                
          from such file notwithstanding the outcome of the credit check              
          of the customer.  When authorization is granted, terminal 10                
          provides to the customer at terminal 11 both an encrypted file              
          key 13 and an authorization credit data signal 14.  The                     
          encrypted file key 13 is used to unlock the data file, and the              
          credit data signal indicates an amount of credit to be                      
          extended to the customer terminal 11 for retrieval of data                  
          from the file identified in the file use request signal 12                  
          (column 2, lines 16 through 37).  A usage report 60 indicating              
          the usage history recorded in the use history storage unit 23               
          is generated by the terminal 11 for communication to the                    
          terminal 10 in response to either operation of the keyboard 33              
          or an interrogation signal 61 received from the terminal 10                 
          (column 4, line 65 through column 5, line 2).  An                           
          authenticated usage report 62 is coupled with the unit ID                   
          number 39 in terminal 11 for communication to the terminal 10               
          as an authenticated usage report and unit ID signal 63 (column              
          5, lines 7 through 16).  An authenticated credit and debit                  
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