Appeal No. 2004-1200 Application No. 09/871,996 a processor connected with the storage device and the at least one communications device, wherein the processor is configured to: collect customer demographic information and transaction data for a plurality of transaction requests initiated by the customers with the first and second subsets; for each transaction request, determine which of the plurality of independent service providers should receive the transaction request on the basis of the collected customer information; and transmit the transaction request to the determined independent service provider and develop a customer profile categorizing the customers according to customer demographic information received with the first and second subsets. THE PRIOR ART The references relied on by the examiner to support the final rejection are: Burge et al. (Burge) 6,014,638 Jan. 11, 2000 Wong et al. (Wong) 6,119,933 Sep. 19, 2000 Schein et al. (Schein) 6,226,623 May 1, 2001 Levine et al. (Levine) 6,233,566 May 15, 2001 Computer Associates Ships Jasmine(R)ii, First Intelligent and Integrated eBusiness Platform, PR Newswire; New York; Apr. 10, 2000. Neugents ii: Software That Can Think, Computer Associates, May 10, 2000. 3Page: Previous 1 2 3 4 5 6 7 8 9 10 NextLast modified: November 3, 2007