Appeal No. 2001-2627
Application No. 09/472,658
Turning to group III, claims 34 through 46 stand rejected
under 35 U.S.C. § 103 as being unpatentable over Fernandez-
Holmann.
Claims 61 through 65 stand rejected under 35 U.S.C. § 103 as
being unpatentable over Fernandez-Holmann and Simpson.
Claims 34 through 46 have been argued as a single group and
thereby we will treat them as standing or falling together.
Thereby, we will treat claim 34 as the representative claim.
Appellant argues that Fernandez-Holmann fails to teach
direct funding to distinct savings vehicles having different
beneficiaries in response to a single transaction as claimed.
See pages 15 and 16 of the brief.
In response, the Examiner notes that Fernandez-Holmann
teaches an investment account as a destination of funds provided
through the use of the system and further notes that the system
utilizes one or more institutions to receive these investments.
The Examiner points to Fernandez-Holmann, column 4, lines 9
through 11. See pages 40 and 41 of the answer. The Examiner
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