(19)

(11)

EP 2 724 311 A2

(12)

(88) Date of publication A3: 18.04.2013 (43) Date of publication: 30.04.2014 Bulletin 2014/18 (21) Application number: 12804079.7 (22) Date of filing: 26.06.2012

(51) International Patent Classification (IPC):  G06Q 40/02(2012.01) G06Q 20/40(2012.01) (86) International application number: PCT/US2012/044223 (87) International publication number: WO 2013/003361 (03.01.2013 Gazette 2013/01)

(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: 27.06.2011 US 201161501650 P 27.06.2011 US 201161501648 P 27.06.2011 US 201161501646 P (71) Applicant: Capital Confirmation, Inc. Brentwood, Tennessee 37027 (US)	(72) Inventor: FOX, Charles Brian, Nashville, Tennessee 37221 (US) (74) Representative: Baldwin, Mark et al Firebird IP 40 Bowling Green Lane London EC1R 0NE London EC1R 0NE (GB)