(19)

(11)

EP 1 360 662 A2

(12)

(88) Date of publication A3: 28.08.2003 (43) Date of publication: 12.11.2003 Bulletin 2003/46 (21) Application number: 01926553.7 (22) Date of filing: 28.03.2001

(51) International Patent Classification (IPC)7: G07F 19/00, G06F 17/60, G07F 17/42 (86) International application number: PCT/US0110/643 (87) International publication number: WO 0107/3708 (04.10.2001 Gazette 2001/40)

(84) Designated Contracting States: AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR (30) Priority: 29.03.2000 US 193172 P (71) Applicant: CMA Business Credit Services Burbank, CA 91502 (US)	(72) Inventors: OKAMOTO, Steve, Atsushi Torrance, CA 90505 (US) SCHATTMAIER, Steven, Miller Irvine, CA 92620 (US) VON KAENEL, Tim Coto de Caza, CA 92679 (US) ZEILE, Mike, Todd Valencia, CA 91354 (US) ST. AMOUR, Frederick, C. Dana Point, CA 92629 (US) (74) Representative: UEXKÜLL & STOLBERG  PatentanwälteBeselerstrasse 4 22607 Hamburg 22607 Hamburg (DE)