(19)

(11)

EP 1 685 524 A1

(12)

(43) Date of publication: 02.08.2006 Bulletin 2006/31 (21) Application number: 03768658.1 (22) Date of filing: 04.11.2003

(51) International Patent Classification (IPC):  G06Q 10/00(2006.01) (86) International application number: PCT/US2003/035209 (87) International publication number: WO 2005/048151 (26.05.2005 Gazette 2005/21)

(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 (71) Applicant: Fiserv, Inc. Brookfield, WI 53005 (US)	(72) Inventor: JACOBS, Ronald, F. Napa, CA 94558 (US) (74) Representative: Lawrence, John  Barker Brettell, 138 Hagley Road, Edgbaston Birmingham B16 9PW Birmingham B16 9PW (GB)