Appeal 2007-0025 Page 12
Application 09/792,151
to speed processing by the POS terminal 116 (col 17, lines 41-49);
(14) Alternatively, information on rebates may not be stored on
the chip card, but rather may be stored either at the point-of-sale or on
the communication and processing network. At the time of purchase,
the ASPs stored on the chip card would be compared with rebate
information available either at the POS or on the communication and
processing network, and the appropriate rebate amounts determined
and loaded onto the chip card electronic purse (col 18, lines 20-27);
(15) Other embodiments may have the BASE_REBATE 158
field of the INCENTIVE RECORD 163 stored on the POS terminal
116 or on the communication and processing network while still
maintaining the other portions of the INCENTIVE_RECORD 163 on
the chip card. In this way, merchants and others can dynamically
adjust and control the incentive program while still allowing for
Loyalty Rebating using the remaining data available in the ASPs
INCENTIVE_RECORD 163" (col 18, lines 27-36).
(Answer 23-25.)(Examiner’s emphasis.)
3. Appellants disagree.
Appellants further submit that the references fail to teach the
limitation of settling, based on the stored advertising information, a
transaction or consumer account at a store based on the stored advertising
information by the consumer bringing said external medium from a location
of the terminal device to a store, as required by independent claims of
Appellants' claimed invention.
….
Freeman similarly teaches paying a customer via a rebate program.
….
Freeman differs from the claimed invention in that the rebate is not
applied to a present transaction, but rather stored as electronic money on the
chip card for later use. "Rather than giving a discount at the point of sale, a
rebate in the form of electronic money is stored in chip card memory." See
Abstract.
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