Appeal No. 2003-2102 Page 7
Application No. 09/254,723
discloses (figure 3C and page 8) that an application module can
have either plural application modules 19 or an application
module and a SIM 19'. Heinonen further discloses (page 13) that
a user can have many different bank accounts, and that they can
be in different applications 18 or different modules. Because
the mobile unit can be used as a phone (page 9) or to make
cashless payments (page 13) we find that the chipcard or module
having a SIM and application(s) constitutes a multifunction
chipcard having an account number. Accordingly, the limitation
of a multifunction chipcard having an account number stored
therein is met by the prior art. We additionally find that
Vazvan discloses (page 6) that
If the payer’s account do [sic: does] not have enough credit
(money) the portable terminal 8 may receive a “No effects”
message 19, or the bank may pay the transaction’s amount on
behalf of the payer and then later charge the payer or
his/her bank for the prepaid transaction.
From the disclosure of Vazvan, we find that Vazvan teaches
payment of a bill by a bank even though the payer's account has
insufficient funds. However, we do not agree with the examiner
(answer, page 10) that this feature of Vazvan can be broadly
interpreted as being functionally the same as appellant's claimed
"credit rating check." There are many reasons why a bank may go
ahead and release funds to complete a customer transaction,
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