Ex Parte JOHNSON - Page 8




          Appeal No. 2001-0280                                                        
          Application No. 08/890,398                                                  


          page 6 of the Answer that the Hilt reference has been applied by            
          the Examiner solely to address the customer identifier electronic           
          acceptance feature of these claims.  We find nothing in the                 
          disclosure of Hilt that would overcome the innate deficiencies in           
          the Examiner’s obviousness rejection of independent claims 1 and            
          10 discussed supra.                                                         



























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