Appeal No. 2005-2744
Application No. 09/849,979
credit card transactions.) Thus, we find that Van Dusen teaches the limitations of
claim 81.
Further, although claim 81 does not include the limitation of crediting a
recipient’s account, we nonetheless find that Wijnen teaches such a system and
provides motivation to incorporate it into a gift certificate system such as Van
Dusen. Wijnen teaches that for individuals who do not want the expense of a
merchant account an alternative is a person-to person type account. The
example discussed is the PayPal system. With the PayPal system a person
(customer) registers and has a PayPal account from which they draw off to pay
someone else (receiver). If the customer has insufficient funds in the PayPal
account, monies are deducted from the consumer’s credit card. On the receiving
end the receiver can have the monies deposited directly into their bank account.
See page 2 of Wijnen. We consider the PayPal account example to teach the
debiting and crediting as appellants’ argument shows was intended in claim 81.
In the PayPal system an account associated with the donor is debited, the
customer’s credit card account, an account associated with the service provider
is credited, the PayPal account. The PayPal account is then debited, and
recipient’s bank account is credited with funds debited from the service provider’s
(PayPal) account. Further, we find that Wijnen teaches that the system is an
alternative to credit cards and can be used to send monies in electronic greeting
cards. See Wijnen page 2 and Wijnen page 3 (“[i]f the bank were to expand the
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