Ex Parte FOX et al - Page 12




          Appeal No. 2003-0072                                                        
          Application No. 09/032,407                                                  


          transaction...” (answer-page 21).                                           
               The examiner’s rationale for combining the references in               
          rejecting claims 22-30 also appears to be based more on hindsight           
          than on what the skilled artisan would have gleaned from these              
          references.  But, in any event, since the initial combination of            
          Ginter and Schneier was flawed, for the reasons supra, and                  
          Matyas, Rosen 407 and Tozzoli do not provide for the deficiencies           
          thereof, we also will not sustain the rejection of claims 22-30             
          under 35 U.S.C. § 103                                                       
               The examiner’s entire rationale appears to us to be a patch            
          quilt of bits and pieces of the applied references, and disparate           
          recitations in those references.  We remain unconvinced that an             
          artisan, on his/her own, without the guidance of appellants’                
          disclosure, would have combined the applied references in a                 
          manner as to result in the instant claimed invention.                       












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