Ex parte LOCKWOOD - Page 1

           The opinion in support of the decision being entered today was not written for
                     publication and is not binding precedent of the Board.           
                                                                 Paper No. 16         
                      UNITED STATES PATENT AND TRADEMARK OFFICE                       
                         BEFORE THE BOARD OF PATENT APPEALS                           
                                  AND INTERFERENCES                                   
                            Ex parte LAWRENCE B. LOCKWOOD                             
                                Appeal No. 1997-2678                                  
                             Application No. 08/347,270                               
                                      ON BRIEF                                        
          Before HAIRSTON, KRASS and HECKER, Administrative Patent                    
          KRASS, Administrative Patent Judge.                                         

                                 DECISION ON APPEAL                                   
               This is a decision on appeal from the final rejection of               
          claims 1 and 11-15, all of the claims pending in the                        
               The invention is directed to a system for processing                   
          business and financial transactions between entities at remote              

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