(19)

(11)

EP 2 304 677 A2

(12)

(88) Date of publication A3: 29.04.2010 (43) Date of publication: 06.04.2011 Bulletin 2011/14 (21) Application number: 09759141.6 (22) Date of filing: 30.05.2009

(51) International Patent Classification (IPC):  G06Q 40/00(2006.01) G06K 17/00(2006.01) H04B 1/40(2006.01) (86) International application number: PCT/US2009/045761 (87) International publication number: WO 2009/148980 (10.12.2009 Gazette 2009/50)

(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 MK MT NL NO PL PT RO SE SI SK TR Designated Extension States: AL BA RS (30) Priority: 04.06.2008 US 58829 04.06.2008 US 58836 04.06.2008 US 58841 04.06.2008 US 58840 19.06.2008 US 132528 (71) Applicant: Visa U.S.A. Inc. San Francisco, CA 94128-8999 (US)

(72) Inventors: EVANS, James, Douglas Livermore CA 94550 (US) GRANUCCI, Nicole, Janine San Francisco CA 94107 (US) VRIHEAS, Carrie, Elaine San Francisco CA 94131 (US) HAMMAD, Ayman, A. Pleasanton CA 94566 (US) SZE, James, Y.C. San Diego CA 92128 (US) (74) Representative: Kirschner, Klaus Dieter  Puschmann Borchert Bardehle Patentanwälte Partnerschaft Bajuwarenring 21 82041 Oberhaching 82041 Oberhaching (DE)