Appeal No. 2003-2102 Page 9
Application No. 09/254,723
agree with appellant (reply brief, pages 2 and 3) that in Vazvan,
"the payment amount is entered into the mobile device and
transmitted to the bank payment system. A payment amount is not
entered into a business terminal and transmitted via a call to a
user terminal." In addition, Heinonen discloses (page 17) that:
When the connection has been established, the user enters
the identification number of the cash card, and the cash
card application compares it to the previously saved
identification number. If the identification number has
been given right, and the application 18 has sufficient
balance, the payment transaction is registered both in the
cash register 21 and the application 18 of the mobile
station 1, whereby the balance on the cash card is decreased
correspondingly.
From the disclosure of Heinonen, we find no disclosure of a
payment amount being transmitted to a user terminal prior to
authorization of payment, but rather that if the application 18
has sufficient balance, the transaction is registered in both the
cash register 21 and the application 18. Because neither Vazvan
nor Heinonen discloses displaying, at the user terminal, an
amount of money entered at the business terminal via the call to
the business terminal, we find that the examiner's assertion of
obviousness (answer, page 4) to be unsupported by evidence in the
record.
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