Appeal 2006-3331
Application 10/829,797
this information may be a personal identification number or PIN (See
e.g., Specification 6:22-23 and 8:4-6).
3. The Specification does not include any definition of “service provider.”
4. McNeal discloses credit approval systems at the point of sale which use
biometric data, such as fingerprints, to ascertain if the identity of the
person attempting to pay by a check is an authorized person for that
particular checking account so as to minimize the risk of a retailer
accepting a bad check (McNeal, col. 1, ll. 13-18 and col. 3, ll. 25-27).
5. In particular, McNeal discloses a check verification unit 10 in
communication with a main system 12 which includes an identification
database 14 (McNeal, col. 4, ll. 2-3).
6. The check verification unit 10 includes, at least, a check scanner 16 and
a biometric data-gathering device, such as a fingerprint recording
device 18 (McNeal, col. 4, ll. 18-20).
7. The check verification unit 10 is a computer platform that receives,
digitizes, and processes the incoming data from the various scanning
devices for transmission to main system 12 (McNeal, col. 4, ll. 57-60).
8. In one embodiment, the check verification unit transmits the data from
the various devices to a main database via a phone line or a reserved
data line (McNeal, col. 5, ll. 35-36).
9. McNeal describes that in one embodiment a check is swiped and a
fingerprint is simultaneously taken and digitized and the combined data
is transmitted to the main system, which uses a check information
6
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