Appeal 2007-2451
Application 10/694,925
1 substantially contemporaneous. In addition, the Examiner finds that Melchione
2 discloses a system where, in a single session, accounts are linked together. The
3 Examiner concludes that it would have been an obvious modification to Blossom
4 to include the single session linking feature to link the stored value and the credit
5 accounts at substantially the same time, to keep both accounts as an option from
6 the beginning of the card's use. (Answer 4-5.)
7 The Appellant contends that, whereas claim 1 calls for a point of sale device
8 configured to distribute portions of the amount of a transaction between two
9 accounts associated with the same instrument, the references simply do not teach
10 nonzero payment distributions for a transaction at a point of sale device between
11 two accounts associated with the same instrument. Blossom teaches a reader which
12 selects a single account at a time, not the distribution between two accounts
13 explicitly taught by the claim. Thus, Blossom is relied upon to teach what appears
14 to be already known in the art, i.e. a single card associated with two or more
15 accounts. The Appellant further argues that Blossom does not suggest that it may
16 be modified to distribute the cost for the transaction among the accounts. The
17 Appellant concludes that Blossom cannot be relied upon to teach a nonzero
18 distribution between such accounts from a point-of-sale device. (Br. 4.)
19 The Appellant argues that Cameron's system comprises a graphical user
20 interface with an order payment window, and therefore, suggests a graphical
21 "window" including various "capture fields," clearly directed at remote order entry,
22 not a point-of-sale transaction. The Appellant concludes that there is simply no
23 teaching or suggestion for nonzero distributions at a point-of-sale device. The
24 Appellant also argues that there is no suggestion in Cameron that the distribution
25 of a transaction amount be to different accounts from the same instrument. The
5
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