Appeal No. 2004-1929
Application No. 08/664,164
specification teaches that a computer monitor and mouse or keyboard could be used for
viewer input. Specification, pages 14-15. Likewise, Doom is a computer game that
uses a computer monitor and mouse or keyboard for input.
We agree with the examiner that claims 10 and 27 are obvious over Keithley in
view of Berger, Doom, Giobbe, and Kim. Claims 10 and 27 recite a method where the
user inputs financial information and a monthly mortgage payment for the real estate
property is calculated.
Appellant argues that Giobbe discusses the coupling of advertising medium for
real estate. Appeal brief, page 14. Although Giobbe does discuss the coupling of
advertising mediums, it also discusses the use of an online mortgage calculator
associated with a search of real estate listings. See page 26. Next, appellant argues
that Kim teaches the calculation of mortgage payments associated with Sundance
Homes, which has nothing to do with appellant’s claimed invention. Appeal brief, page
14. However, Kim is cited to show an example of using down payment, purchase price,
and interest rate to find the mortgage rate. Page 2. Keithley, discusses using a
mortgage qualification program. Col. 3, lines 11-20, col. 7, lines 7-17, col. 10, lines 15-
25. Berger and Giobbe discuss using mortgage calculators along with property listings.
Berger, page 17. Thus, it would have been obvious to combine Kim with Giobbe,
Berger, and Keithley to obtain the advantages of financial qualification programs along
with property listings as discussed in the references.
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