(19)

(11)

EP 3 360 107 A1

(12)

(43) Date of publication: 15.08.2018 Bulletin 2018/33 (21) Application number: 16787939.4 (22) Date of filing: 04.10.2016

(51) International Patent Classification (IPC):  G06Q 40/00(2012.01) (86) International application number: PCT/IB2016/055936 (87) International publication number: WO 2017/060817 (13.04.2017 Gazette 2017/15)

(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 MD (30) Priority: 05.10.2015 US 201514875607 (71) Applicant: Ripple Luxembourg S.A. 2530 Luxembourg (LU)	(72) Inventors: THOMAS, Stefan San Francisco, CA 94104 (US) SCHWARTZ, Evan San Francisco, CA 94104 (US) (74) Representative: Diehl & Partner GbR  Patentanwälte Erika-Mann-Strasse 9 80636 München 80636 München (DE)