Appeal No. 2001-2627
Application No. 09/472,658
least one of the time[s] at which a transaction occurs and the
transaction amount." Emphasis added. Finally, we note that
independent claim 56 and dependent claims 57 through 60 recite "a
determining means for determining that a consumer-initiated
transaction is a covered transaction pursuant to a savings
agreement with the consumer under which specified funds will be
directed on the consumer's behalf to a specified savings vehicle
at a second financial institution, covered transactions pursuant
to the agreement being determined according to at least one of
the time[s] at which a transaction occurs and the transaction
amount." Emphasis added.
In rejecting claims under 35 U.S.C. § 103, the Examiner
bears the initial burden of establishing a prima facie case of
obviousness. In re Oetiker, 977 F.2d 1443, 1445, 24 USPQ2d 1443,
1444 (Fed. Cir. 1992). See also In re Piasecki, 745 F.2d 1468,
1472, 223 USPQ 785, 788 (Fed. Cir. 1984). The Examiner can
satisfy this burden by showing that some objective teaching in
the prior art or knowledge generally available to one of ordinary
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