(19)

(11)

EP 1 861 820 A2

(12)

(88) Date of publication A3: 08.03.2007 (43) Date of publication: 05.12.2007 Bulletin 2007/49 (21) Application number: 06737681.4 (22) Date of filing: 09.03.2006

(51) International Patent Classification (IPC):  G06Q 30/00(2006.01) (86) International application number: PCT/US2006/008525 (87) International publication number: WO 2006/099105 (21.09.2006 Gazette 2006/38)

(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 LV MC NL PL PT RO SE SI SK TR (30) Priority: 10.03.2005 US 660580 P 08.03.2006 US 370679 08.03.2006 US 371267 (71) Applicant: Efficient Frontier Mountain View, California 94041 (US)	(72) Inventor: MASON, Zachary Palo Alto, California 94306 (US) (74) Representative: Moore, Barry et al Hanna, Moore & Curley 13 Lower Lad Lane Dublin 2 Dublin 2 (IE)