Ex Parte SULLIVAN et al - Page 19



             Appeal 2006-3387                                                                                  
             Application 09/385,489                                                                            
                   What Schultz describes is an escrow service provided by the central                         
             management firm on behalf of the manufacturer and consumer to settle the                          
             amounts (i.e., reward certificates) owed by the manufacturer to the customer under                
             the terms of a trade promotion.  In this case, Schultz captures and stores the terms              
             of the trade promotion (i.e., the number of products that must be purchased by the                
             customer in order to receive an award).  Schultz uses the POS transaction data to                 
             determine if the customer has met the terms of the deal.  When the reward goal has                
             been met, Schultz calculates the amount owed by the manufacturer (i.e., the                       
             amount of the reward for which the customer has qualified) and facilitates payment                
             of the amount owed by sending the customer a reward certificate.  The only                        
             difference between Schultz and the invention of claim 1 is that the settlement in                 
             Schultz occurs between the manufacturer and the customer based on the number of                   
             promoted products purchased by the consumer, instead of between the                               
             manufacturer and retailer based on the number of promoted products sold by the                    
             retailer.                                                                                         
                   We find that it would have been obvious, in view of the teaching of Schultz                 
             to use an independent third party escrow agent to administer a trade promotion                    
             between a manufacturer and a customer, to have enhanced the offerings of Jones’s                  
             independent third party audit service to add an escrow service as between the                     
             manufacturer and retailer.                                                                        
                   We find that a hypothetical person of ordinary skill in the art would be                    
             presumed to know the prior art, including Jones and Schultz.  We also find that a                 
             hypothetical person of ordinary skill in the art would be presumed to know of the                 

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