(19)

(11)

EP 1 415 254 A2

(12)

(88) Date of publication A3: 26.02.2004 (43) Date of publication: 06.05.2004 Bulletin 2004/19 (21) Application number: 02734043.9 (22) Date of filing: 23.04.2002

(51) International Patent Classification (IPC)7: G06F 17/60 (86) International application number: PCT/US2002/013123 (87) International publication number: WO 2002/086676 (31.10.2002 Gazette 2002/44)

(84) Designated Contracting States: AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR Designated Extension States: AL LT LV MK RO SI (30) Priority: 23.04.2001 US 285726 P (71) Applicant: MASTERCARD INTERNATIONAL, INC. Purchase, NY 10577-2509 (US)

(72) Inventors: RISAFI, Nicole, N. Stamford, CT 06905 (US) HUNTER, Burnett, D. Elmford, NY 10523 (US) MCKENZIE, Kevin Saint Charles, MO 63301-4034 (US) WIGGINS, Janice New Fairfield, CT 06812 (US) STANGLE, Brian New Fairfield, CT 06812 (US) FORTE, Vincent John Charles Morristown, NJ 07960 (US) (74) Representative: Beresford, Keith Denis Lewis et al BERESFORD & Co.16 High Holborn London WC1V 6BX London WC1V 6BX (GB)