Appeal Number: 2006-2286
Application Number: 09/165,352
As to automated notification, we again find the examiner is correct in that
Norris states at col. 7 lines 55 to 65, Norris states
In an alternate embodiment, borrowers can apply for a loan using a
personal computer 34 and a modem 36 by contacting controller 10 via
telephone 12 through a communications link. Controller 10 will
interact using the monitor of computer 34 to prompt the borrower who
can type in the information needed and indicate responses to
controller 10 for the latter to obtain the credit report and process the
loan. The document can be received via modem 36 into computer 34,
printed using printer 37. The documentation can be returned to
controller 10 by facsimile 18 when the borrower is so equipped.
Such automated interaction is noted as being exemplary of notifying a user
to fulfill suspense conditions as claimed. Therefore, we find the appellants’
arguments to be unpersuasive.
However, at this point we must part company with the examiner. As to the
use of risk in pricing, the portion of Norris cited by the examiner at col. 8, lines 29-
47, states
If the loan can be granted, communications processor 30 (or controller
10 if the borrower is using a personal computer) will confirm the
amount that can be loaned, the monthly payment and the term of the
loan. The disclosures required under applicable consumer lending
laws and other documentation can be signed in ink or, in a kiosk,
using an electronic pen and then returned by facsimile, by electronic
data file transmission, or by overnight mail.
The controller/processor 10 via the communication processor 30 will
review with the borrower the information relevant to the loan, such as
the account number to which the direct deposit will be made and the
name of the deposit institution, the account number and name of the
automatic withdrawal institution, the date of the month and the first
month the automatic withdrawal will begin, the address and payee if
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