Appeal No. 2001-2627
Application No. 09/472,658
conclusion." In re Lee, 277 F.3d 1338, 1344, 61 USPQ2d 1430,
1434 (Fed. Cir. 2002).
The facts of the record are that there is no dispute that
the debit card system was well known in the art at the time of
Appellant's filing of this application. The feature of a debit
card is to allow a checking account to have the convenience of a
credit card. In particular, the debit card appears and functions
the same as a credit card. A debit card is simply a plastic card
which has a magnetic strip that has the account numbers and
related banking information to allow money to be transferred
directly from the debit card holder's checking account to pay for
a purchase. One of the attractive features of debit cards is
that it provides the same convenience as a credit card in that
one does not have to write a check but instead merely has to
swipe a debit card through the reader just as you would a credit
card to quickly and efficiently purchase items. We find that one
of ordinary skill in the art would recognize that to modify
Fernandez-Holmann by substituting a debit card for the credit
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