(19)

(11)

EP 2 718 887 A1

(12)

(43) Date of publication: 16.04.2014 Bulletin 2014/16 (21) Application number: 12730420.2 (22) Date of filing: 08.06.2012

(51) International Patent Classification (IPC):  G06Q 20/32(2012.01) (86) International application number: PCT/EP2012/060937 (87) International publication number: WO 2012/168457 (13.12.2012 Gazette 2012/50)

(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: 10.06.2011 EP 11169629 (71) Applicant: Swedbank AB 105 34 Stockholm (SE)	(72) Inventor: ALFTHAN, Björn S-116 35 Stockholm (SE) (74) Representative: McPherson, Sofie Elisabeth et al Venner Shipley LLP 200 Aldersgate London EC1A 4HD London EC1A 4HD (GB)