(19)
(11) EP 1 440 400 A2

(12)

(88) Date of publication A3:
30.10.2003

(43) Date of publication:
28.07.2004 Bulletin 2004/31

(21) Application number: 02775858.0

(22) Date of filing: 20.09.2002
(51) International Patent Classification (IPC)7G06F 17/60
(86) International application number:
PCT/US2002/029649
(87) International publication number:
WO 2003/027798 (03.04.2003 Gazette 2003/14)
(84) Designated Contracting States:
AT BE BG CH CY CZ DE DK EE ES FI FR GB GR IE IT LI LU MC NL PT SE SK TR
Designated Extension States:
AL LT LV MK RO SI

(30) Priority: 21.09.2001 US 956997
21.09.2001 US 957505

(71) Applicant: Bank One, Delaware, National Association
Wilmington, DE 19801 (US)

(72) Inventors:
  • MANN, William, Frederick, III
    Avondale, PA 19311 (US)
  • HIRKA, Jeffrey, L.
    Memphis, TN 38104 (US)

(74) Representative: Leonhard, Frank Reimund, Dipl.-Ing. 
Leonhard - Olgemöller - Fricke,Postfach 10 09 62
80083 München
80083 München (DE)

   


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