Appeal No. 2003-1410
Application 09/272,056
Representative claim 1 is reproduced below:
1. A computer-implemented draft authentication method
for use in e-commerce, comprising the steps of:
storing, for each of a plurality of draft drawers, at
least one piece of unique identifying information, said at least
one piece of unique identifying information being linked at least
to said respective drawer’s financial information;
authenticating a drawer of a draft by immediately
encrypting at least a portion of an identification data provided
by the drawer and successfully matching the immediately encrypted
identification data with said at least one stored piece of
identifying information;
retrieving at least the drawer’s financial information
and establishing constraints based on the retrieved financial
information;
honoring a draft presented by a payee with whom the
drawee has a partner relationship only when the drawer of the
presented draft is successfully authenticated by drawee and the
constraints are satisfied.
The following reference is relied on by the examiner:
Sixtus 5,903,721 May 11, 1999
(filed Mar. 13, 1997)
Claims 1 through 40 stand rejected under 35 U.S.C.
§ 102(e) as being anticipated by Sixtus.
Rather than repeat the positions of the appellant,
reference is made to the Brief and Reply Brief for appellant’s
positions and to the Answer for the examiner’s positions.
2
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