Appeal No. 2004-1200
Application No. 09/871,996
Schein discloses a financial services integration system and
method for use by a financial institution (e.g., a bank) offering
a plurality of financial products and services (e.g., savings
accounts, checking accounts, loans, mortgages, credit cards,
securities transactions) through discrete service providers via a
plurality of distribution points (e.g., bank tellers, personal
computers, ATMs). In general, Schein’s integration system and
method facilitate access by customers to the various products and
services offered by the institution and allow the institution to
better serve its customers by compiling complete demographic
profiles for each customer based on information derived from all
of the customer’s dealings with the institution.
Schein contains no teaching or suggestion which would have
motivated one of ordinary skill in the art to modify the system
and method disclosed by Levine so as to rectify the admitted
deficiencies relative to the subject matter recited in
independent claims 1 and 29. To begin with, while Levine’s loan
originating entities ostensibly constitute independent service
providers participating in a centralized marketplace, Schein’s
service providers operate as components of a single financial
institution. Schein’s teaching of facilitating access to these
components of a single institution would not have suggested
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