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(11)

EP 3 201 856 A1

(12)

(43) Date of publication: 09.08.2017 Bulletin 2017/32 (21) Application number: 15846067.5 (22) Date of filing: 29.09.2015

(51) International Patent Classification (IPC):  G06Q 20/38(2012.01) H04W 4/24(2009.01) H04W 12/04(2009.01) (86) International application number: PCT/CA2015/000519 (87) International publication number: WO 2016/049745 (07.04.2016 Gazette 2016/14)

(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 (30) Priority: 29.09.2014 US 201462056688 P 02.10.2014 US 201462058799 P 17.10.2014 US 201462065280 P 12.11.2014 US 201462078683 P 25.11.2014 US 201462084549 P 08.12.2014 US 201462089210 P 20.02.2015 US 201562118990 P (71) Applicant: Royal Bank Of Canada Montreal, QC H3C 3A9 (CA)

(72) Inventors: ORTIZ, Edison, U. Montreal, Quebec H3C 3A9 (CA) LEE, Terry, W. Montreal, Quebec H3C 3A9 (CA) MANTIA, Linda Montreal, Quebec H3C 3A9 (CA) KHANDAVILLI, Pawan Montreal, Quebec H3C 3A9 (CA) (74) Representative: Patel, Binesh  Barker Brettell LLP 100 Hagley Road Edgbaston Birmingham West Midlands B16 8QQ Edgbaston Birmingham West Midlands B16 8QQ (GB)