Ex Parte ZENNER et al - Page 6



          Appeal No. 2003-0133                                                        
          Application 08/940,702                                                      

               Although we agree with the examiner that Williams does teach           
          a system for paying bills, we fail to find that Williams teaches            
          a method for manipulating billing and payment information having            
          the steps of downloading bill information, accessing retained               
          criteria entered by a user, formatting the display of field                 
          information, acting on the retained criteria and displaying the             
          detailed billing records and formatted field in accordance with             
          the acted upon retained criteria using the specialized                      
          application, and operating on the formatted field information as            
          recited in appellants’ claim 1.  Furthermore, we fail to find               
          that Williams teaches an Internet browser interface for                     
          manipulating consumer billing and payment information, comprising           
          means for downloading, means for accessing retained criteria                
          entered by the user, means for formatting the display of field              
          information, means for acting upon retained criteria, means for             
          displaying said detailed and billing records, and said formatted            
          field information means for operating on the formatted field                
          information as recited in appellants’ claim 25.  Therefore, we              
          will not sustain the examiner’s rejection of claims 1 through 3,            
          5, 6, 8 through 12, and 25 through 27 under 35 U.S.C. § 102 as              
          being anticipated by Williams.                                              

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