(19)

(11)

EP 2 024 922 A2

(12)

(88) Date of publication A3: 26.06.2008 (43) Date of publication: 18.02.2009 Bulletin 2009/08 (21) Application number: 07761366.9 (22) Date of filing: 26.04.2007

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) (86) International application number: PCT/US2007/067528 (87) International publication number: WO 2007/127857 (08.11.2007 Gazette 2007/45)

(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 MT NL PL PT RO SE SI SK TR Designated Extension States: AL BA HR MK RS (30) Priority: 28.04.2006 US 795646 P 06.04.2007 US 783251 06.04.2007 US 783254 06.04.2007 US 783250 06.04.2007 US 783253 06.04.2007 US 783252 (71) Applicant: Pipeline Financial Group New York, NY 10165 (US)	(72) Inventors: WAELBROECK, Henri Scarsdale, New York 10583 (US) GAMSE, Brent Delray Beach, Florida 33483 (US) DEMPSEY, Ian New York, New York 10017 (US) SHAPIRO, Andrew Brooklyn, New York 11231-1542 (US) BURMEISTER, Abe Brooklyn, New York 11201 (US) (74) Representative: Lord, Michael  Gill Jennings & Every LLP Broadgate House 7 Eldon Street London EC2M 7LH 7 Eldon Street London EC2M 7LH (GB)