Appeal No. 2004-1477
Application No. 09/507,183
columns 8 and 9). In this way, the Boesch system militates for
profit and against loss vis-à-vis the transaction approving
entity.
Similar to Boesch, Potter discloses a system for performing
financial transactions involving foreign currencies which uses
foreign exchange rates (e.g., see the Abstract and lines 34-37 in
column 5). Such transactions include the buying or selling of
currencies based on a spot rate wherein the rate quotation is
adjusted by predetermined criteria including a spread to be added
to the base quote at the financial institution’s discretion
(e.g., see lines 44-67 in column 7). We are convinced that an
artisan would have considered Potter’s aforenoted use of a spread
as a technique by which to militate for profit and against loss
to thereby manage risk vis-à-vis the financial institution.
Under these circumstances, we conclude that the artisan
would have found it obvious to use Potter’s spread in relation to
Boesch’s exchange rate operation by which funds are debited from
the customer or transferor debit account. In this way, Boesch’s
desire to manage risk to thereby maximize profit and minimize
loss would have been enhanced via a spread technique evinced by
Potter to have been known for this purpose in the prior art. It
is our determination, therefore, that the examiner has
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