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(11)

EP 2 135 208 A2

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(88) Date of publication A3: 12.02.2009 (43) Date of publication: 23.12.2009 Bulletin 2009/52 (21) Application number: 08726445.3 (22) Date of filing: 05.03.2008

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) (86) International application number: PCT/US2008/002910 (87) International publication number: WO 2008/112109 (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: 13.03.2007 US 906530 P 30.07.2007 US 882090 (71) Applicant: Creditex Group, Inc. New York, NY 10022 (US)

(72) Inventors: HIRANI, Sunil, G. New York, NY 10549 (US) DAR, Mazyar, M. New York, NY 10011 (US) LIS, Benjamin New York, NY 10280 (US) BEESTON, Mark, I. Stanwick NN9 6QE (GB) CROWLEY, Christopher, J. New York , NY 10002 (US) TEICHMAN, Marc Brooklyn, NY 11229 (US) BERARDO, Joe Huntington, NY 11743 (US) DE RUIG, Clive, P. New York NY 10024 (US) (74) Representative: Epping, Wilhelm  Epping Hermann Fischer Patentanwaltsgesellschaft mbH Ridlerstrasse 55 80339 München 80339 München (DE)