(19)

(11)

EP 2 212 776 A1

(12)

(43) Date of publication: 04.08.2010 Bulletin 2010/31 (21) Application number: 08838250.2 (22) Date of filing: 09.10.2008

(51) International Patent Classification (IPC):  G06F 9/44(2006.01) (86) International application number: PCT/US2008/079316 (87) International publication number: WO 2009/049029 (16.04.2009 Gazette 2009/16)

(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: 12.10.2007 US 979494 P (71) Applicant: The PNC Financial Services Group, Inc. Pittsburgh, PA 15222 (US)	(72) Inventors: HEULER, Randal, J. McMurray PA 15317 (US) CRILLEY, Duane, K. Pittsburgh PA 15209 (US) (74) Representative: Finnie, Peter John  Gill Jennings & Every LLP Broadgate House 7 Eldon Street London EC2M 7LH London EC2M 7LH (GB)