Ex parte ZIARNO - Page 4




          Appeal No. 1997-3968                                                        
          Application No. 08/318,914                                                  

          advantageous than cash because it “minimizes costs and hazards              
          associated with cash usage” (column 8, line 57 through column               
          9, line 1), and the commonly known prior art, the examiner is               
          of the opinion that “it would have been obvious to modernize                
          and update the conventional offering plate so as to be able to              
          process debit/credit cards as well as receive cash                          
          contributions as taught by Teicher” (Answer, page 6).  Kumar                
          discloses a portable, battery-powered, hand-held terminal                   
          device 10 that can read credit cards (Figure 1; column 3,                   
          lines 39 through 47).  In view of Kumar’s teachings, the                    
          examiner contends that (Answer, pages 7 and 8):                             
               [I]t would have been obvious to one of ordinary                        
               skill in the art at the time the invention was made                    
               to integrate such an old and well known portable                       
               electronic device/terminal to a conventional                           
               offering plate as modified by commonly known prior                     
               art procedures in view of the teachings of Teicher,                    
               due to the fact that Kumar’s electronic                                
               device/terminal is portable, feasible, compact, and                    
               mostly to provide the conventional offering plate                      
               with the latest technology which accepts both credit                   
               cards as well as cash contributions.  Clearly, one                     
               of ordinary skill would recognize the convenience                      
               and benefits of using credit cards instead of cash                     
               in any application.  As noted above, the                               
               conventional offering plate is employed to accept a                    
               plurality of successive contribution transactions.                     
               The routine controlling the terminal of Kumar                          
               accepts successive transactions as well.                               
               Notwithstanding our agreement with the examiner that it                
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