Appeal No. 2001-2627
Application No. 09/472,658
At the outset, Appellant has grouped the rejections into
three groups. The groups are as follows: Group I is claims 1
through 21 and 50 through 60. Group II is claims 22, 23, 25
through 28 and 31 through 33. Group III is claims 34 through 46
and 61 through 65. See page 6 of the brief. Furthermore, we
note that Appellant has argued these claims according to these
groups. See pages 13 through 16 of the brief and pages 7 through
13 of the reply brief.
Turning to group I, Appellant argues that Fernandez-Holmann
fails to teach which transactions are screened according to the
time of occurrence and/or their amount in order to identify
transactions for which funds are directed to a savings vehicle.
See pages 7 and 8 of the reply brief. We note that independent
claim 1 as well as dependent claims 2 through 21, recite "noting
at least one covered transaction, which is a transaction in
response to which funds will be directed pursuant to the
agreement, the scope of covered transactions pursuant to the
agreement being limited according to at least one of the time[s]
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