Ex Parte PHILLIPS et al - Page 9




             Appeal No. 2001-1862                                                                                     
             Application No. 09/102,044                                                                               


             and that the Official Notices are considered to consist of merely subjective statements                  
             by the examiner.  We disagree with appellants’ position and further find that the Reply                  
             Brief is not an appropriate time to controvert Official Notices which have been in the                   
             statement of the rejection for an extended time and when the examiner has no                             
             opportunity to reply to this argument without formally reopening prosecution on the                      
             merits.  37 CFR 1.193(b)(1).                                                                             
                    With respect to the individual modifications to the Your Choice prepaid card                      
             system, we generally agree with each of the examiner’s conclusions, but we find that                     
             the examiner lacks factual support or convincing lines of reasoning for the combination                  
             of these facts.                                                                                          
                    Specifically, some of the examiner’s findings relate to the interpretation of the                 
             claim language, such as what or who an “individual purchaser” would be.  The examiner                    
             maintains that the corporation would have been an individual purchaser.  (See answer                     
             at page 26.)  We agree with the examiner.  Appellants argue that Your Choice teaches                     
             away from the selling of cards to individual purchasers.  (See brief at page 8.)  We                     
             disagree with appellants that Your Choice teaches away given the broad interpretation                    
             of the individual purchaser.                                                                             
                    We note that the Office Action, Paper No. 18, mailed Dec. 11, 1999 and the                        
             Final Rejection, Paper No. 23, mailed Apr. 17, 2000, contains essentially the same text                  
             of the rejection of the claims and includes the same statements/findings by the                          

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