Ex Parte PITRODA - Page 3



          Appeal No. 2004-0297                                                        
          Application No. 09/265,451                                                  

                                   THE REJECTIONS                                     
               Claims 48, 50 through 63, 66 through 72 and 74 through 82              
          stand rejected under 35 U.S.C. § 103(a) as being unpatentable               
          over Tamada in view of Danielson and Hale.                                  
               Claims 49 and 73 stand rejected under 35 U.S.C. § 103(a) as            
          being unpatentable over Tamada in view of Danielson and                     
          Nemirofsky.                                                                 
               Claims 64 and 65 stand rejected under 35 U.S.C. § 103(a) as            
          being unpatentable over Tamada in view of Danielson and Germain.            
               Attention is directed to the main and reply briefs (Paper              
          Nos. 29 and 32) and to the final rejection and answer (Paper Nos.           
          23 and 30) for the respective positions of the appellant and the            
          examiner regarding the merits of these rejections.                          
                                     DISCUSSION                                       
          I. The 35 U.S.C. § 103(a) rejection of claims 48, 50 through 63,            
          66 through 72 and 74 through 82 as being unpatentable over Tamada           
          in view of Danielson and Hale                                               
               Tamada, the examiner’s primary reference, discloses a multi-           
          functional IC card which can be used as a credit card, a cash               
          card, or the like.  The following passage from the reference                




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