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EP 3 616 108 A1

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(43) Date of publication: 04.03.2020 Bulletin 2020/10 (21) Application number: 18792051.7 (22) Date of filing: 13.06.2018

(51) International Patent Classification (IPC):  G06F 21/30(2013.01) G06Q 20/40(2012.01) G06Q 20/38(2012.01) (86) International application number: PCT/US2018/037365 (87) International publication number: WO 2018/201165 (01.11.2018 Gazette 2018/44)

(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: KH MA MD TN (30) Priority: 27.04.2017 US 201762490818 P 15.05.2017 US 201762506090 P 14.06.2017 US 201762519440 P 15.03.2018 US 201815922505 (71) Applicant: Financial & Risk Organisation Limited London, E14 5AQ (GB)

(72) Inventors: SCHUKAI, Robert, Joseph 6340 Baar (CH) COSTA FAIDELLA, David 6340 Baar (CH) DIVITA, Bartholomew, J. 6340 Baar (CH) (74) Representative: IPrime Rentsch Kaelin AG  Hirschengraben 1 8001 Zürich 8001 Zürich (CH)