Ex Parte Ganesan et al - Page 3



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

                                            THE REJECTIONS AT ISSUE                                            
                      Claims 58, 63, 65 through 69 and 74 through 79 stand rejected under 35                   
                U.S.C.  § 102 (e) as being anticipated by Van Dusen.  Claims 58, 65, 67 through                
                69, 75, 76, 79 and 80 stand rejected under 35 U.S.C.  § 103 as being                           
                unpatentable over Van Dusen in view of Lenhart.  Claims 59 through 62, 64 and                  
                70 through 73 stand rejected under 35 U.S.C.  § 103 as being unpatentable over                 
                Van Dusen in view of Albrecht.  Claims 59 through 62, 64 and 70 through 73                     
                stand rejected under 35 U.S.C.  § 103 as being unpatentable over Van Dusen in                  
                view of Lenhart and Albrecht.  Claim 81 is rejected as being unpatentable over                 
                Van Dusen in view of Lenhart and Official Notice (the articles Wijnen, and                     
                “Person-To-anywhere Payments Are Here With Citibanks’ C2it” were submitted                     
                to support the facts noticed by the examiner).  Throughout the opinion we make                 
                reference to the briefs and the answer for the respective details thereof.                     
                                                  OPINION                                                      
                      We have carefully considered the subject matter on appeal, the rejections                
                advanced by the examiner and the evidence of anticipation and obviousness                      
                relied upon by the examiner as support for the rejections.  We have, likewise,                 
                reviewed and taken into consideration, in reaching our decision, appellants’                   
                arguments set forth in the briefs along with the examiner’s rationale in support of            
                the rejections and arguments in rebuttal set forth in the examiner’s answer.                   




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