Ex Parte Calo et al - Page 6



             Appeal 2007-0394                                                                                    
             Application 09/769,036                                                                              
                   2. Appellants’ Specification does not provide a definition or specific                        
             method for the phrase electronically transmitting proceeds, nor does it utilize the                 
             phrase in a manner contrary to its customary meaning.                                               
                   3. The ordinary and customary meaning of “an affiliate” is an affiliated                      
             person or organization, i.e., an entity closely associated with another typically in a              
             dependent or subordinate position  Merriam-Webster’s Collegiate Dictionary 21                       
             (11th ed. 2005).                                                                                    
                   4. The Specification does not define the term affiliate, nor does it utilize                  
             the term contrary to its customary meaning.                                                         
                   5. The ordinary and customary meaning of a computer system is a group                         
             of devices or artificial objects or an organization forming a network esp. for                      
             distributing something or serving a common purpose.  Merriam-Webster’s                              
             Collegiate Dictionary 1269 (11th ed. 2005).                                                         
                   6. The Specification does not define the term “computerized system”,                          
             nor does it utilize the term contrary to its customary meaning.                                     
                   7. Typically, when a customer orders an international payment                                 
             transaction, the order is initially placed at the institution holding the customer’s                
             source account.  The source financial institution typically has a relationship with a               
             correspondent bank, Regional Clearing House, or other financial institution.  The                   
             correspondent bank or Regional Clearing House, in turn, has direct relationships                    
             with other banks and financial institutions in the destination country, and can                     
             provide additional services such as currency exchange transactions and account                      
             verification (Harada ¶ 5).                                                                          

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