(19)

(11)

EP 2 057 599 A2

(12)

(88) Date of publication A3: 04.12.2008 (43) Date of publication: 13.05.2009 Bulletin 2009/20 (21) Application number: 06848259.5 (22) Date of filing: 28.12.2006

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) (86) International application number: PCT/US2006/049449 (87) International publication number: WO 2008/024132 (28.02.2008 Gazette 2008/09)

(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 Designated Extension States: AL BA HR MK RS (30) Priority: 23.08.2006 US 508471 23.08.2006 WO PCT/US2006/032949 (71) Applicant: The Northern Trust Company Chicago IL 60603 (US)	(72) Inventors: CALDWELL, Phillip, D. London E14 SNT (GB) OLIVER, Edmund J. Bolney, W. Sussex RH17 5Q4 (GB) SMITH, Andrew D. Wickford, Essex SS11 8LX (GB) BARTHOLOMEW, Richard E. London E14 SNT (GB) (74) Representative: McLeish, Nicholas Alistair Maxwell et al Boult Wade Tennant Verulam Gardens 70 Gray's Inn Road GB-London WC1X 8BT GB-London WC1X 8BT (GB)