Ex Parte PHILLIPS et al - Page 16




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


             the express teachings of Your Choice do not suggest the individual modifications in                      
             combination with all of the other modifications.  Similarly, the examiner has not provided               
             a convincing line of reasoning for the combination of all the modifications together as a                
             whole.  While the examiner has addressed why each modification by itself may be                          
             obvious, the examiner has not addressed the combination as a whole.                                      
                    Appellants argue that the Office impermissibly used appellants’ application as a                  
             blueprint to modify Your Choice to arrive at the claimed invention.  (See brief at page                  
             12.)  While we would not characterize the examiner’s rejection as rising to the level of                 
             impermissible hindsight reconstruction, we agree with appellants that the examiner has                   
             not presented a prima facie case for the combination of all the well-known facts which                   
             the examiner relied upon using Official Notice in the rejection.  We find that the                       
             examiner has not provided a teaching or convincing line of reasoning to suggest the                      
             combination of all the well-known facts which the examiner relied upon Official Notices                  
             in the rejection.  Therefore, the examiner has not established a prima facie case of                     
             obviousness, and we cannot sustain the rejection of independent claim 53 and its                         
             dependent claims 54-58, 60 and 62.  Therefore, for us to find that the computer                          
             implemented method for issuing stored value cards affiliated with predetermined credit                   
             network, as claimed by appellants, is taught or suggested by the combination of the                      





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