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(11)

EP 2 850 572 A1

(12)

(43) Date of publication: 25.03.2015 Bulletin 2015/13 (21) Application number: 13791465.1 (22) Date of filing: 14.05.2013

(51) International Patent Classification (IPC):  G06Q 20/42(2012.01) H04B 5/02(2006.01) G06K 17/00(2006.01) (86) International application number: PCT/US2013/040953 (87) International publication number: WO 2013/173339 (21.11.2013 Gazette 2013/47)

(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 Designated Extension States: BA ME (30) Priority: 14.05.2012 US 201261646523 P 31.12.2012 US 201213731348 15.02.2013 US 201313768156 (71) Applicant: Paydiant, Inc. Newton, MA 02466 (US)	(72) Inventor: LARACEY, Kevin Natick, MA 01760 (US) (74) Representative: Finnie, Peter John  Gill Jennings & Every LLP The Broadgate Tower 20 Primrose Street London EC2A 2ES London EC2A 2ES (GB)