Appeal No. 1997-2678
Application No. 08/347,270
processor. This claim language appears to go to the disclosed
feature of the system making a loan application decision based
on both user application form entries and on data received,
for example, from a credit bureau. We find no such teaching
in Lockwood and the rather sparse teachings of Loan Express do
not provide for the deficiencies of Lockwood in this regard.
Further, the examiner has not presented any convincing
explanation as to why this fetching means responsive to both
data entry and information received from the central processor
would have been an obvious modification to Lockwood.
Accordingly, the examiner has not established a prima
facie case of obviousness with regard to the instant claimed
subject matter and we will not sustain the rejection of claims
1 and
11-15 under 35 U.S.C. § 103.
11
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