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). 6Page: Previous 1 2 3 4 5 6 7 8 9 10 11 NextLast modified: November 3, 2007