Ex Parte Goldstein - Page 33



           Appeal No. 2005-0823                                                                        
           Application No. 10/300,895                                             Page 33              


            increased fraud associated with the use of this (voiding)                                  
            function.                                                                                  
                  We find from the article that ARC was planning on having                             
            reporting done five times a week based on a standard work week,                            
            which we consider to mean Monday through Friday.  The reason                               
            given for the change from weekly reporting is listed as being the                          
            prolonged crisis in the industry.  There is no mention of any                              
            meetings with Mr. Goldstein, or that the meetings with MR.                                 
            Goldstein played any role in the decision to move away from                                

            weekly reporting.  In addition, from the statement that ARC was                            
            experiencing increased fraud, we find that before the increased                            
            fraud, there was some fraud transpiring with respect to the                                
            voiding function.  In the NEWS-AGENT ISSUES article dated March                            
            3, 2003 the article states that ARC's Board was ready to approve                           
            a system that would allow voids up until midnight of the day                               
            following the transaction, and that ARC developed the plan in                              
            consultation with agency and corporate travel representatives                              
            after announcing last fall that it intended to restrict the                                
            "voiding window" sometime this year to reduce fraud and abuse.                             
            The article additionally recites that "[w]e shouldn't lose sight                           






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