Ex Parte PALTENGHE et al - Page 1




            The opinion in support of the decision being entered today was not written 
                   for publication and is not binding precedent of the Board.          

                                                                  Paper No. 27         
                       UNITED STATES PATENT AND TRADEMARK OFFICE                       
                                      ____________                                     
                           BEFORE THE BOARD OF PATENT APPEALS                          
                                   AND INTERFERENCES                                   
                                      ____________                                     
                    Ex parte CRIS T. PALTENGHE, ALNOOR B. MAMDANI,                     
                                    CHARLES GOLVIN,                                    
                             HENRY LICHSTEIN, DAVID SOLO,                              
                             JACK PAN and MELVIN M. TAKATA                             
                                      ____________                                     
                                  Appeal No. 2003-0755                                 
                               Application No. 09/190,993                              
                                      ____________                                     
                                        ON BRIEF                                       
                                      ____________                                     
          Before RUGGIERO, GROSS, and LEVY, Administrative Patent Judges.              
          RUGGIERO, Administrative Patent Judge.                                       


                                   DECISION ON APPEAL                                  
               This is a decision on the appeal from the final rejection of            
          claims 14-24, which are all of the claims pending in the present             
          application.  Claims 1-13 have been canceled.  An amendment filed            
          May 8, 2002 after final rejection was approved for entry by the              
          Examiner.                                                                    
               The disclosed invention relates to a virtual wallet system              
          which includes a locally residing portion and a remotely residing            
          server portion.  The virtual wallet system interacts with the                





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