Appeal 2007-2742
Application 09/764,618
1 05. The Specification contains no lexicographic definitions for the term
2 “automatically” or “automatic.”
3 06. The usual and ordinary meaning of “automatic” within the context of
4 claim 1 is acting or operating in a manner essentially independent of
5 external influence or control1.
6 Bogosian
7 07. Bogosian is directed towards extracting a user's bank account
8 information for the electronic transfer of funds, for example, as an
9 alternative to requiring users to send a voided check to the entity
10 initiating the transfer. Bogosian describes various ways for facilitating
11 transfers of funds between a buyer and a seller for users to sell items to
12 other users (Bogosian, col. 2, ll. 10-21.)
13 08. Bogosian describes a way to transfer funds between a buyer and a
14 seller in an online auction system, an online flea market system, or
15 another type of system in which a user can sell items to other users. The
16 seller is prompted to enter information from the face of a bank check
17 issued from the seller's bank account. A credit card account associated
18 with the buyer is then charged to collect funds for purchasing items from
19 the seller, and the collected funds are deposited electronically into the
20 seller's bank account using the bank routing number and account number
21 (Bogosian, col. 2, ll. 48-51).
22 09. Bogosian provides buyers the option to immediately purchase items
23 from such sellers using a default credit card number and shipping
24 address previously specified by the buyer (Bogosian, col. 2, ll. 64-67).
5
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Last modified: September 9, 2013