Appeal No. 2005-1615
Application 09/800,535
19. A method for processing financial transactions
comprising:
receiving a first message indicating the making of a
financial transaction, the first message including customer
information and transaction information;
determining the validity of the customer information;
generating a second message indicating non-authorization of
the financial transaction if the customer information is invalid;
determining in an automated manner whether the financial
transaction involves a micro-payment if the customer information
is valid;
if the financial transaction involves a micro-payment:
storing at least part of the transaction
information; and
generating a third message indicating authorization of
the financial transaction; and
if the financial transaction does not involve a micro-
payment, generating an authorization request.
THE REFERENCES
Weber 5,889,863 Mar. 30, 1999
Ronen et al. (Ronen) 5,905,736 May 18, 1999
Elgamal 6,138,107 Oct. 24, 2000
THE REJECTIONS
The claims stand rejected under 35 U.S.C. § 103 as follows:
claims 1, 2, 4-6, 8-13, 15-27, 29-41, 43-46, 48, 50, 52, 53
and 58 over Ronen in view of Weber, and claims 14, 28, 42, 54-57
and 59 over Ronen in view of Weber and Elgamal.
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