(19)

(11)

EP 2 186 053 A2

(12)

(88) Date of publication A3: 09.04.2009 (43) Date of publication: 19.05.2010 Bulletin 2010/20 (21) Application number: 08797645.2 (22) Date of filing: 11.08.2008

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) (86) International application number: PCT/US2008/072830 (87) International publication number: WO 2009/021242 (12.02.2009 Gazette 2009/07)

(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 Designated Extension States: AL BA MK RS (30) Priority: 09.08.2007 US 954978 P (71) Applicant: Dalal, Pankaj B. South Ozone Park, NY (US)	(72) Inventor: Dalal, Pankaj B. South Ozone Park, NY (US) (74) Representative: Tomkinson, Alexandra  Bailey Walsh & Co L.L.P. 5 York Place Leeds LS1 2SD Leeds LS1 2SD (GB)