(19)

(11)

EP 2 476 088 A2

(12)

(88) Date of publication A3: 21.07.2011 (43) Date of publication: 18.07.2012 Bulletin 2012/29 (21) Application number: 10816167.0 (22) Date of filing: 10.09.2010

(51) International Patent Classification (IPC):  G06Q 20/00(2012.01) (86) International application number: PCT/US2010/048455 (87) International publication number: WO 2011/031988 (17.03.2011 Gazette 2011/11)

(84) Designated Contracting States: AL 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 SM TR (30) Priority: 10.09.2009 US 241367 P 24.02.2010 US 712148 14.05.2010 US 780657 (71) Applicant: Visa International Service Association San Francisco, CA 94128-8999 (US)	(72) Inventor: HAMMAD, Ayman Pleasanton California 94566 (US) (74) Representative: Derry, Paul Stefan  Venner Shipley LLP 200 Aldersgate London EC1A 4HD London EC1A 4HD (GB)