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(11)

EP 3 265 987 A1

(12)

(43) Date of publication: 10.01.2018 Bulletin 2018/02 (21) Application number: 15710368.0 (22) Date of filing: 04.03.2015

(51) International Patent Classification (IPC):  G06Q 40/02(2012.01) (86) International application number: PCT/US2015/018739 (87) International publication number: WO 2016/140660 (09.09.2016 Gazette 2016/36)

(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 Designated Validation States: MA (71) Applicant: Environmental Financial Products LLC Chicago, Illinois 60611 (US)	(72) Inventor: SANDOR, Richard, L. Chicago, Illinois 60611 (US) (74) Representative: Holme Patent A/S  Valbygårdsvej 33 2500 Valby 2500 Valby (DK)