Ex Parte AUSTIN - Page 6



          Appeal No. 2003-2131                                                        
          Application 09/309,834                                                      

          indicated above, the microprocessor 16 at each of McCarthy’s                
          merchant locations 14 calculates the credit values or rebates and           
          sends this information to the central system.  To cure McCarthy’s           
          shortcoming in this regard, the examiner looks to Kanter.                   
               Kanter discloses a consumer credit/rebate accumulation and             
          accessing system having much in common with the McCarthy system             
          including sponsoring company point-of-sale locations 14, 16 and a           
          central system 12.  Kanter teaches that the credit/rebate                   
          associated with a particular retail transaction can be determined           
          either at a sponsoring company point-of-sale location (see, for             
          example, column 18, lines 7 through 15; and column 19, lines 1              
          through 9) or at the central system (see, for example, column 23,           
          line 44 et seq.).                                                           
               In proposing to combine McCarthy and Kanter, the examiner              
          concludes that it would have been obvious “to combine the                   
          centralized cash value accumulation system for multiple merchants           
          taught by McCarthy and . . . the Kanter system of calculation at            
          the central location to offer to merchants an alternative and               
          more flexible (i.e. providing choices for the merchants) rebate             
          administration system” (answer, pages 10 and 11).                           


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