(19)

(11)

EP 2 973 293 A2

(12)

(88) Date of publication A3: 13.11.2014 (43) Date of publication: 20.01.2016 Bulletin 2016/03 (21) Application number: 14762314.4 (22) Date of filing: 16.03.2014

(51) International Patent Classification (IPC):  G06Q 30/00(2012.01) (86) International application number: PCT/US2014/030113 (87) International publication number: WO 2014/145365 (18.09.2014 Gazette 2014/38)

(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: 15.03.2013 US US (71) Applicant: Mcfadden, Brian New York, NY 10101 (US)	(72) Inventor: Mcfadden, Brian New York, NY 10101 (US) (74) Representative: Heinze, Ekkehard  Meissner, Bolte & Partner GbR Postfach 86 06 24 81633 München 81633 München (DE)