(19)

(11)

EP 0 943 136 A1

(12)

(43) Date of publication: 22.09.1999 Bulletin 1999/38 (21) Application number: 97952311.0 (22) Date of filing: 03.12.1997

(51) International Patent Classification (IPC):  G07F 7/ 10( . ) (86) International application number: PCT/US1997/022429 (87) International publication number: WO 1998/025239 (11.06.1998 Gazette 1998/23)

(84) Designated Contracting States: DE FR GB (30) Priority: 03.12.1996 US 19960032181P (71) Applicant: Strategic Analysis, Inc. Arlington, VA 22203 (US)	(72) Inventors: FISHER, David, L. Tega Cay, SC 29715 (US) RADCLIFFE, Matthew, H. Potomac, MD 20854 (US) GARCIA, Cristina-Casimiro Alexandria, VA 22311 (US) RIVERA, Jorge, Arturo Alexandria, VA 22304 (US) (74) Representative: Plougmann, Vingtoft & Partners A/S  Sankt Annae Plads 11, P.O. Box 3007 1021 Copenhagen K 1021 Copenhagen K (DK)