(19)

(11)

EP 2 122 512 A1

(12)

(43) Date of publication: 25.11.2009 Bulletin 2009/48 (21) Application number: 08732290.5 (22) Date of filing: 14.03.2008

(51) International Patent Classification (IPC):  G06F 17/30(2006.01) (86) International application number: PCT/US2008/057128 (87) International publication number: WO 2008/113042 (18.09.2008 Gazette 2008/38)

(84) Designated Contracting States: AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MT NL NO PL PT RO SE SI SK TR (30) Priority: 15.03.2007 US 895111 P 22.06.2007 US 767202 30.08.2007 US 848112 30.08.2007 US 848179 13.03.2008 US 48177 (71) Applicant: Visa U.S.A. Inc. San Francisco, CA 94128-8999 (US)	(72) Inventors: FORDYCE, Edward, W., III Larkspur, CO 80118 (US) SUAREZ, Sarah, Pankratz South San Francisco, CA 94080 (US) (74) Representative: Lawrence, John  Barker Brettell LLP 138 Hagley Road Edgbaston Birmingham B16 9PW Edgbaston Birmingham B16 9PW (GB)