(19)

(11)

EP 1 716 465 A2

(12)

(88) Date of publication A3: 05.01.2006 (43) Date of publication: 02.11.2006 Bulletin 2006/44 (21) Application number: 05752194.0 (22) Date of filing: 10.02.2005

(51) International Patent Classification (IPC):  G06F(2006.01) (86) International application number: PCT/US2005/004253 (87) International publication number: WO 2005/086636 (22.09.2005 Gazette 2005/38)

(84) Designated Contracting States: AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LI LT LU MC NL PL PT RO SE SI SK TR (30) Priority: 10.02.2004 US 543513 P 09.02.2005 US 55527 09.02.2005 US 55028 (71) Applicant: First Data Corporation Greenwood Village, CO 80111 (US)	(72) Inventors: ROGERS, Suzanne Elkhorn, Nebraska 68022 (US) HORTON, Timothy Papillion, Nebraska 68046 (US) TRAINOR, Gary J. Duluth, Georgia 30097 (US) (74) Representative: Evens, Paul Jonathan  Maguire Boss 24 East Street St Ives Cambridge PE27 5PD St Ives Cambridge PE27 5PD (GB)