(19)

(11)

EP 1 738 320 A2

(12)

(43) Date of publication: 03.01.2007 Bulletin 2007/01 (21) Application number: 05712064.4 (22) Date of filing: 26.01.2005

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) (86) International application number: PCT/US2005/002443 (87) International publication number: WO 2005/072357 (11.08.2005 Gazette 2005/32)

(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 Designated Extension States: AL BA HR LV MK YU (30) Priority: 28.01.2004 US 539331 P 18.08.2004 US 920267 (71) Applicant: Feldman, Jeffrey L. Princeton, NJ 08540 (US)	(72) Inventor: Feldman, Jeffrey L. Princeton, NJ 08540 (US) (74) Representative: Maury, Richard Philip  Marks & Clerk 90 Long Acre London WC2E 9RA London WC2E 9RA (GB)