Appeal No. 2005-2642
Reexamination Control No. 90/005,841
means for establishing data representative of at least one deposit account
for a term;
means for establishing data representative of at least one loan
account for a term, the loan account having a loan principal
component and a loan accrual component, the loan accrual
component having a fixed interest component and a variable
interest component;
an account management dataprocessor [sic] for servicing the
accounts over the term, comprising:
means for adjusting the amount in the deposit account in a
manner responsive to the rate of inflation;
means for paying out the deposit account;
means for determining the amount in the loan accrual
component in a manner responsive to the rate of
inflation; and
means for retiring the loan account over the term, including
means for retiring the fixed interest component by a
first schedule over the term, and
means for retiring the loan principal component by a
second schedule over the term.
Dependent claim 37 additionally recites “means for retiring the variable interest
component by a third schedule over the term.”
As noted supra, the phrase “schedule over a term” can consist of a single
iteration, such as a lump sum payout. Furthermore, the recitation of a first, a second,
and a third “schedule over a term” does not imply that the schedules are different. In
fact, dependent claim 38 (the subject of a different ground of rejection, addressed infra)
specifies that all three schedules are the same.
For the reasons addressed above, it would have been obvious in view of
Musmanno to automate the management of inflation-adjusted deposit and loan
accounts like those disclosed in Mukharjee order to obtain improvements in speed and
accuracy over manual account management. The claimed “means for paying out the
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