(19)

(11)

EP 1 810 240 A2

(12)

(88) Date of publication A3: 29.06.2006 (43) Date of publication: 25.07.2007 Bulletin 2007/30 (21) Application number: 05803637.7 (22) Date of filing: 29.09.2005

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) (86) International application number: PCT/US2005/034832 (87) International publication number: WO 2006/039340 (13.04.2006 Gazette 2006/15)

(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 LV MC NL PL PT RO SE SI SK TR (30) Priority: 29.09.2004 US 954629 01.10.2004 US 957217 (71) Applicant: Creditex, Inc New York, NY 10011 (US)	(72) Inventors: HIIRANI, Sunil, Gordhan Bedford, NY 10549 (US) MAZYAR, Dar London, W8 5DN (GB) (74) Representative: Parkinson, Neil Scott et al Marks & Clerk Sussex House 83-85 Mosley Street Manchester M2 3LG Manchester M2 3LG (GB)