Ex Parte Ganesan et al - Page 2



                Appeal No. 2005-2744                                                                           
                Application No. 09/849,979                                                                     

                                               THE INVENTION                                                   
                      The invention relates to a method of including a monetary gift with an                   
                electronic greeting card.                                                                      
                Claim 58 is representative of the invention and is reproduced below:                           
                      58. A method for making a monetary gift, comprising;                                     
                             receiving, via a network, a request to send an electronic greeting                
                      card and to make an associated monetary gift in an amount, on behalf of a                
                      requesting donor to a recipient;                                                         
                             processing the received request to generate the electronic greeting               
                      card including a notification of the monetary gift;                                      
                             transmitting, via the network, the generated electronic greeting card             
                      to the designated recipient; and                                                         
                             directing a crediting of funds equal to the monetary gift amount to a             
                      deposit account.                                                                         

                                             THE REFERENCES                                                    
                   The references relied upon by the examiner are:                                             
                Van Dusen   6,175,823   Jan. 16, 2001                                                          
                Albrecht    5,984,180   Nov. 16, 1999                                                          
                Lenhat, “’ Happy Holidays,’ High-Tech Style; Sending Cards Over the Internet                   
                Gains Popularity”, Washington Post (December 20, 1998).                                        
                Wijnen, “You’ve Got Money!”, Bank Technology News (June 2000).                                 
                “Person-To-anywhere  Payments  Are  Here  with  Citibanks’  C2it”,  Credit  Card               
                News (November 15, 2000).                                                                      





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