Appeal No. 2004-1200
Application No. 09/871,996
The system includes a plurality of loan originating entities each
having its own loan origination sub-system through which
consumers, i.e., borrowers, may apply for a loan (see column 11,
lines 18 through 50). In practice, each prospective borrower
submits pertinent demographic information and transaction data to
a chosen loan originating entity which then proceeds either to
deny the loan or to approve it and release the requested funds
(see column 18, line 34, through column 21, line 22).
Likening Levine’s loan originating entities to independent
service providers of the sort recited in independent claims 1 and
29, the examiner nonetheless concedes (see pages 6 and 7 in the
final rejection) that Levine lacks response to the limitations in
these claims relating to (1) the determination of which of the
plurality of independent service providers should receive each
transaction request on the basis of the collected customer
information, (2) the transmission of the transaction request to
the determined independent service provider, and (3) the
development of a customer profile categorizing the customers
according to the customer demographic information received with
the transaction requests. The examiner’s reliance on Schein to
cure these shortcomings is not well founded.
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