(19)

(11)

EP 1 800 219 A1

(12)

(43) Date of publication: 27.06.2007 Bulletin 2007/26 (21) Application number: 05742137.2 (22) Date of filing: 29.04.2005

(51) International Patent Classification (IPC):  G06F 17/16(2006.01) (86) International application number: PCT/US2005/014663 (87) International publication number: WO 2006/043979 (27.04.2006 Gazette 2006/17)

(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: 12.10.2004 US 711889 (71) Applicant: BANK OF AMERICA CORPORATION Charlotte, NC 28255 (US)	(72) Inventors: STEVENS, Ross, L. New York, NY 10022 (US) COREY, Jr, George, S. Westport, CT 06880 (US) PORTNOY, Vlad New York, NY 10023 (US) (74) Representative: Hackett, Sean James  Marks & Clerk Alpha Tower Suffolk Street Queensway Birmingham B1 1TT Birmingham B1 1TT (GB)