(19)

(11)

EP 1 543 458 A1

(12)

(43) Date of publication: 22.06.2005 Bulletin 2005/25 (21) Application number: 03766831.6 (22) Date of filing: 01.07.2003

(51) International Patent Classification (IPC)7: G06F 17/60 (86) International application number: PCT/US2003/020611 (87) International publication number: WO 2004/013793 (12.02.2004 Gazette 2004/07)

(84) Designated Contracting States: AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LI LU MC NL PT RO SE SI SK TR Designated Extension States: AL LT LV MK (30) Priority: 01.08.2002 US 399726 P 02.08.2002 US 400042 P (71) Applicant: Bank One, Delaware, N.A. Wilmington, DE 19801 (US)	(72) Inventor: FREUND, Peter, C. New York, NY 10024 (US) (74) Representative: Leonhard, Frank Reimund, Dipl.-Ing.  Leonhard - Olgemöller - FrickePatentanwältePostfach 10 09 62 80083 München 80083 München (DE)