Ex Parte Jakobsson et al - Page 10



          Appeal No. 2005-0986                                                        
          Application No. 09/727,904                                                  

          information is concealed from the credit card company in                    
          Nishioka, and, normally, one might not equate the claimed                   
          “merchant” with the credit card company of Nishioka because the             
          claims also require that access to the information items                    
          “purchasable from a merchant” is controlled.  Clearly, the credit           
          card company in Nishioka is not an entity from which information            
          items may be purchased.                                                     
               However, in view of appellants’ admission, at page 4 of the            
          instant specification, that a payment server, which is associated           
          with a merchant in the preferred embodiment, but may also be a              
          third party entity separate from the merchant, we find that the             
          teaching, by Nishioka, of keeping information on the items                  
          purchased secret from the credit card company clearly would have            
          suggested the claimed subject matter whereby a merchant is unable           
          to identify the given information item purchased by the user.               
          Keeping information from one entity would clearly have suggested            
          the ability and desire to keep said information from any other              
          entity.  Moreover, a payment server, such as a credit card                  
          company, may very well be associated with a merchant, as                    
          indicated, for example, by appellants at page 4 of the                      
          specification.  Where, for example, a credit card company sells             
          items, the “merchant” and the credit card company are one and the           
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