(19)

(11)

EP 3 097 532 A1

(12)

(43) Date of publication: 30.11.2016 Bulletin 2016/48 (21) Application number: 15740097.9 (22) Date of filing: 23.01.2015

(51) International Patent Classification (IPC):  G06Q 40/00(2012.01) (86) International application number: PCT/US2015/012762 (87) International publication number: WO 2015/112906 (30.07.2015 Gazette 2015/30)

(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: 23.01.2014 US 201461930807 P (71) Applicant: Locus LP Hamilton HM 11 (BM)	(72) Inventor: RIGGS, Rory New York New York 10013 (US) (74) Representative: Dienwiebel, Thomas  Dienwiebel Transatlantic Intellectual Property Lechnerstraße 25a 82067 Ebenhausen 82067 Ebenhausen (DE)