Ex Parte PHILLIPS et al - Page 18




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


             Therefore, we cannot sustain the rejection of independent claims 61 and 87 and their                     
             respective dependent claims.                                                                             
                                                  GROUP THREE                                                         
                    With respect to independent claims 69 and 95, Group Three is directed to a gift                   
             card to a recipient which can be converted into a credit card by the recipient.                          
             Appellants argue that the Office has failed to provide a prima facie case of                             
             obviousness and that there is no evidence to establish that one of ordinary skill in the                 
             art would modify Your Choice according to all of the Official Notices in the Office action.              
             (See brief at page 15.)  We agree with appellants as discussed above.  Appellants                        
             argue that Store Card at best encourages recipients to sign up for a new and separate                    
             credit card rather than converting a stored value card into a credit card.  (See brief at                
             page 15.)  We agree with appellants.  Additionally, we find that the examiner’s                          
             additional reliance upon Store Card does not remedy the noted deficiency in the Your                     
             Choice combination.  Therefore, we cannot sustain the rejection of independent claims                    
             69 and 95 and their respective dependent claims.                                                         










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