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(11)

EP 3 044 744 A1

(12)

(43) Date of publication: 20.07.2016 Bulletin 2016/29 (21) Application number: 14716661.5 (22) Date of filing: 08.03.2014

(51) International Patent Classification (IPC):  G06Q 20/34(2012.01) G07F 7/08(2006.01) (86) International application number: PCT/US2014/022190 (87) International publication number: WO 2015/034552 (12.03.2015 Gazette 2015/10)

(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: 09.09.2013 US 201314021772 (71) Applicant: Glaser, Lawrence F. Fairfax Station, VA 22039 (US)	(72) Inventor: Glaser, Lawrence F. Fairfax Station, VA 22039 (US) (74) Representative: Hofmann, Andreas et al RGTH Patentanwälte PartGmbB Postfach 33 02 11 80062 München 80062 München (DE)