(19)

(11)

EP 2 513 855 A1

(12)

(43) Date of publication: 24.10.2012 Bulletin 2012/43 (21) Application number: 10838052.8 (22) Date of filing: 14.10.2010

(51) International Patent Classification (IPC):  G06Q 40/00(2012.01) G06Q 50/00(2012.01) (86) International application number: PCT/US2010/052587 (87) International publication number: WO 2011/075207 (23.06.2011 Gazette 2011/25)

(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 RS SE SI SK SM TR (30) Priority: 17.12.2009 US 640615 17.12.2009 US 640661 17.12.2009 US 640790 17.12.2009 US 640550 17.12.2009 US 640716 17.12.2009 US 640895 17.12.2009 US 640837 17.12.2009 US 640932 17.12.2009 US 640955 17.12.2009 US 640977 (71) Applicant: American Express Travel Related Services Company, Inc. New York, NY 10285-4900 (US)

(72) Inventor: THOMAS, Tracey, R. Boonton, New Jersey 07065 (US) (74) Representative: Hargreaves, Timothy Edward  Marks & Clerk LLP Aurora 120 Bothwell Street Glasgow G2 7JS Glasgow G2 7JS (GB)