Appeal No. 2004-1477
Application No. 09/507,183
using, not just an exchange rate between the currencies as taught
by Boesch but also, a spread around the exchange rate in view of
Potter. The examiner’s obviousness conclusion and the rationale
in support thereof are set forth with greater detail in the
answer.
In support of their nonobviousness position, the appellants
argue that claim 30 additionally distinguishes over Boesch by
requiring that the transaction computer be associated with a
master account of funds in the transferor currency. The
appellants’ viewpoint on this matter is not well taken. Boesch
explicitly discloses an illustration of his money transfer system
(see lines 33-45 in column 4) wherein “the server 100 may have a
customer account in United States dollars and a merchant account
in French francs” and wherein “[t]he server 100 processing
transactions between these parties may have two electronic
accounts representing all user accounts whose currencies are in
dollars and all user accounts whose currencies are in francs”
(column 4, lines 37-43). The aforementioned electronic account
representing all user accounts whose currencies are in dollars
corresponds to the here claimed “master account of funds in the
transferor currency.”
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