(19)

(11)

EP 2 803 033 A1

(12)

(43) Date of publication: 19.11.2014 Bulletin 2014/47 (21) Application number: 13736165.5 (22) Date of filing: 14.01.2013

(51) International Patent Classification (IPC):  G06Q 40/08(2012.01) G06F 15/00(2006.01) G06F 7/00(2006.01) (86) International application number: PCT/US2013/021423 (87) International publication number: WO 2013/106818 (18.07.2013 Gazette 2013/29)

(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: 13.01.2012 US 201213350388 (71) Applicants: Lexisnexis Risk Solutions Inc. Alpharetta, GA 30005-4101 (US) Kaminski, Charles Alpharetta, GA 30045-4101 (US) Hassib, Ash Alpharetta, GA 30102 (US)	(72) Inventors: KAMINSKI, Charles Alpharetta, GA 30045-4101 (US) HASSIB, Ash Alpharetta, GA 30102 (US) (74) Representative: Jones, Cerian  Urquhart-Dykes & Lord LLP 7th Floor, Churchill House Churchill Way Cardiff CF10 2HH Cardiff CF10 2HH (GB)