Appeal No. 2004-1477
Application No. 09/507,183
master account of funds in the transferor currency and which
debits funds from a transferor debit account in response to a
non-commercial communication from the transferor using a spread
around an exchange rate between the transferor and transferee
currencies. Further details of this appealed subject matter are
set forth in the appealed claim which reads as follows:
30. A system for facilitating money transfer from a
transferor having funds in a transferor currency in a transferor
debit account to a transferee having funds in a transferee
currency in a transferee account, comprising:
a transaction computer communicating with at least the
transferor via the Internet, the transaction computer being
associated with a master account of funds in the transferor
currency, the transaction computer debiting funds from the
transferor debit account in response to a non-commercial
communication from the transferor using a spread around an
exchange rate between the currencies, the computer moving the
funds to the master account, the computer converting funds in the
master account to funds in the transferee currency using an
exchange rate, the computer moving funds in the transferee
currency into the transferee account.
The references set forth below are relied upon by the
examiner as evidence of obviousness:
Potter et al. (Potter) 5,787,402 Jul. 28, 1998
Boesch et al. (Boesch) 5,897,621 Apr. 27, 1999
Downing et al. (Downing) 5,963,647 Oct. 5, 1999
The appealed claim stands rejected under under 35 U.S.C.
§ 103(a) as being unpatentable over Boesch in view of Potter and
further in view of Downing.
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