Appeal No. 2005-1615
Application 09/800,535
billed to a credit or debit card (col. 4, lines 36-38; tables 1
and 2). Ronen does not address whether billing to a credit or
debit card involves an authorization request. The appellant,
however, acknowledges that, as indicated by Weber (col. 15,
lines 52-56), such authorization requests were conventional
(brief, page 12).
The appellant argues that Ronen allows a user to select,
based upon the amount of the transaction, which account will be
billed for the transaction, but does not use a different
authorization mechanism for micro-payments than for larger
payments (brief, page 11; reply brief, pages 3-4). The
appellant’s claim 19 requires storing transaction information and
generating an authorization message if the financial transaction
involves a micro-payment, but does not exclude those steps for
larger payments. As for the step of generating an authorization
request if the financial transaction does not involve a
micro-payment, as pointed out above, the appellant has
acknowledged that generating an authorization request for credit
and debit card payments, which Ronen exemplifies for payments
larger than micro-payments, was conventional.
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