Appeal No. 2004-0013
Application No. 09/234,889 Page 9
25). It is an object of Deo's invention to provide an
authentication system for ensuring the security of the smart card
and the applications contained thereon (col. 2, lines 41-43). As
stated by the examiner (answer, page 6) Deo discloses (col. 12,
lines 12-22) that each application may be capable of maintaining
data in multiple files. Although we do not agree with the
examiner, (id.) that Deo discloses storing data relating to a
plurality of loyalty programs, we find that in view of the
disclosure of Deo, an artisan would have been motivated to
utilize the capabilities of the smart card of Willmore to store
multiple loyalty applications on the smart card, relating to
different merchants. In view of Deo's disclosure that a
standardized authentication system would allow the capabilities
of smart cards to be used, the use of the authentication system
of Deo in the smart card of Willmore would utilize Willmore's
smart card for handling loyalty programs for multiple merchants.
Turning to the Carson textbook, we agree with the examiner
(answer, page 5) that Carson discloses providing a series of
transactions that are sequentially listed as 151-158. Willmore
is silent as to how the transactions are recorded. From the
disclosure of Carson, we agree with the examiner (id.) that an
artisan would have been taught to record transactions in
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