(19)

(11)

EP 1 616 292 A1

(12)

(43) Date of publication: 18.01.2006 Bulletin 2006/03 (21) Application number: 01924946.5 (22) Date of filing: 12.04.2001

(51) International Patent Classification (IPC):  G06Q 10/00(0000.00) (86) International application number: PCT/US2001/011883 (87) International publication number: WO 2001/080125 (25.10.2001 Gazette 2001/43)

(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: 13.04.2000 US 548868 (71) Applicant: Capital One Financial Corporation Falls Church, VA 22042 (US)	(72) Inventor: WALKER, Philip Midlothian, VA 23113 (US) (74) Representative: Beresford, Keith Denis Lewis et al BERESFORD & Co. 16 High Holborn London WC1V 6BX London WC1V 6BX (GB)