Appeal No. 2001-2627
Application No. 09/472,658
argues that it would have been obvious to one of ordinary skill
in the art to modify the Fernandez-Holmann system to use debit
cards instead of credit cards to allow transfers from a checking
account to a savings vehicle to obtain Appellant's invention as
recited in claim 22. See pages 38 through 40 of the Examiner's
answer.
In response to the answer, Appellant does not dispute that
the use of debit cards to cause electronic currency transfers
from checking accounts is well known. See page 8 of the reply
brief. Appellant argues that the asserted facts are not, in and
of themselves, sufficient to render the claim obvious because
evidence of motivation to combine the official notice with
Fernandez-Holmann is lacking. See pages 8 and 9 of the reply
brief.
An obviousness analysis commences with a review and
consideration of all the pertinent evidence and arguments. "In
reviewing the [E]xaminer's decision on appeal, the Board must
necessarily weigh all the evidence and arguments." In re
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