Workplace Compliance & Risk Management The complexities of today’s federal and state employment laws can be confusing. However, an EPO generally won't make you get a referral from a primary care physician in order to visit a specialist. (i) deletion of the feature "without a card, by means of a payment order via SMS, suitable for application to" in line 1 of claim 1;(iii) addition of the feature "where the national central module (4) does not belong to the issuing entity (3) or the acquiring entity (8)" at the end of claim 1.He further explained that the feature "national central module" referred to as the "ATMPAY module" was described as carrying out various functions that implied the amendment, namely: holding cryptographic codes of the banks in safe keeping, page 7, lines 11 and 12, being in communication with issuing entities, page 6, lines 13 to 18, page 7, lines 26 to 29, and with acquiring entities, page 8, lines 20 to 25, and page 9, lines 7 to 10, carrying out the submission by lots of payment orders, operating expenses and charges to issuing entities, page 8, lines 21 to 28.k) a stage (1k), where an off-line communication is effected from the national central module (4) to the issuing entity (3) that has carried out the payment order;V. Claim 1 of the main request reads as follows:where the national central module (4) does not belong to the issuing entity (3) or the acquiring entity (8)."i) a stage (1i), where the acquiring entity (8) authorizes / denies the operation, sending the respective notification by way of the internal communication network to the cash dispenser (7);"Method for the withdrawal of cash at automatic telling machines for the withdrawal of funds without the need for the beneficiary to be the holder of an account or card, which is characterized by comprising the following stages:First steps towards turning the vision into realityb) a stage (1b) where the issuing entity (3) arranges the acceptance / cancellation of the order on-line with a national central module (4), where all the orders are processed;I. an issuing entity's client's personal data, account number, telephone number, etc., never left an entity's network and was never accessible to third parties.3.1 It is common ground that D1 represents the closest prior art. Oral proceedings were held on 26 September 2019. From data submission to payday, we process payroll efficiently and accurately, so you can get back to the numbers that matter. The latest information on initial public offerings (IPOs), including latest IPOs, expected IPOs, recent filings, and IPO performance from Nasdaq. There were only networks belonging to banks which did not want to exchange or share their customer data. EPO . Oral proceedings were requested on an auxiliary basis.c) a stage (1c), in which an SMS acceptance / cancellation message is sent by way of the communications structure for sending SMS messages, and in the event of acceptance of the service the transmission of the respective authorization of payment, which will have to be validated by the requester, all this being arranged from the national central module (4);2.1 Claim 1 of the main request essentially corresponds to claim 1 of the refused main request with the following amendments:o) a stage (10e), in which access takes place via a liquidating entity (11) to the national electronic clearing system (12), where the respective clearing actions relating to the operation processed are carried out;d) a stage (1d), in which the national central module (4) uses the communications structure to send an SMS message to the beneficiary (6) of the operation, containing both the identification particulars of the principal (2) and the amount of the transaction, together with a code or PIN;q) a stage (10g), in which the appropriate pay-backs take place between the national central module (4) and the acquiring entity (8),2.3 The Board is unconvinced by these arguments. I. Main request - Article 123(2) EPC(ii) deletion of the feature "via SMS" in stage (1a);1.1 The invention addresses the problem of allowing a beneficiary to withdraw cash from automatic teller machines (ATM) using a payment order delivered via SMS without the need for any payment instrument, such as a bank card, and type of account (see paragraph [0001] of the published application).3.5 Regarding features (b), (g) and (h), the Board considers it to be obvious to implement these functions as a separate module within the banking system of D1.

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