Appeal 2007-3540
Application 09/946,616
1 relationship established to provide for regular services, dealings, and
2 other financial transactions; (2) a precise list or enumeration of financial
3 transactions; (3) money deposited for checking, savings, or brokerage
4 use; or (4) a customer having a business or credit relationship with a
5 firm2.
6 05. The Specification contains no lexicographic definitions for the term
7 “automatically” or “automatic.”
8 06. The usual and ordinary meaning of “automatic” within the context of
9 claim 1 is acting or operating in a manner essentially independent of
10 external influence or control2.
11 Bogosian
12 07. Bogosian is directed towards extracting a user's bank account
13 information for the electronic transfer of funds, for example, as an
14 alternative to requiring users to send a voided check to the entity
15 initiating the transfer. Bogosian describes various ways for facilitating
16 transfers of funds between a buyer and a seller for users to sell items to
17 other users (Bogosian, col. 2, ll. 10-21.)
18 08. Bogosian describes a way to transfer of funds between a buyer and a
19 seller in an online auction system, an online flea market system, or
20 another type of system in which user can sell items to other users. The
21 seller is prompted to enter information from the face of a bank check
22 issued from the seller's bank account. A credit card account associated
23 with the buyer is then charged to collect funds for purchasing items from
24 the seller, and the collected funds are deposited electronically into the
4
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Last modified: September 9, 2013