Appeal No. 2003-0072
Application No. 09/032,407
to why the skilled artisan would have combined the applied
references nor, if these references were combined, that it would
result in a “commercial relationship certificate” that is
digitally signed by a second party and includes a certified
identifier as well as an “index to the financial resources
accessible to the first party through the second party,” and
wherein neither the commercial relationship certificate nor said
index is encrypted or secret.
With regard to claims 22-30, the examiner applied Ginter and
Schneier as above, adding Matyas for letter of credit (LOC)
modifications (because they would have been highly useful in
defining a “process for authentication of messages from
originator to recipient” (answer-pages 19-20)), and Rosen 407 for
the opening bank being associated with the accessing of the
financial resources of the buyer (because the modifications would
have been highly useful in providing “some form of ‘electronic
money’ that can be used in cashless payment transactions as
alternatives to the traditional currency and check types of
payment systems”)(answer-page 21)). The examiner adds Tozzoli
for a showing of elements to suggest “said seller sending the
certificate to an advising bank, the advising bank being
associated with a beneficiary of the electronic commerce
-11–
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