Appeal No. 2003-2102 Page 2
Application No. 09/254,723
BACKGROUND
Appellants' invention relates to cashless payment by means
of a mobile radio apparatus. An understanding of the invention
can be derived from a reading of exemplary claim 1, which is
reproduced as follows:
1. A method for cashless payment, comprising the steps of:
establishing communication from a multifunction chipcard in
a user terminal via a wireless connection to a mobile radio
network;
entering a personal identification feature at the user
terminal;
registering the user terminal with the mobile radio network
and booking the user terminal into the mobile radio network;
setting up a call via the mobile radio network from the user
terminal to a business terminal;
carrying out a credit rating check with a card number stored
in the chipcard;
displaying an amount of money entered at the business
terminal at the user terminal via the call; and
releasing the amount of money for payment if a positive
result of the credit rating check occurs after a confirmation at
the user terminal.
The prior art references of record relied upon by the
examiner in rejecting the appealed claims are:
Vazvan WO 96/13814 May 9, 1996
Heinonen et al. (Heinonen) WO 96/25828 Aug. 22, 1996
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