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(11)

EP 3 928 465 A1

(12)

(43) Date of publication: 29.12.2021 Bulletin 2021/52 (21) Application number: 20759388.0 (22) Date of filing: 20.02.2020

(51) International Patent Classification (IPC):  H04L 9/32(2006.01) G06Q 40/04(2012.01) G06Q 10/08(2012.01) H04L 9/00(2006.01) (52) Cooperative Patent Classification (CPC): G06Q 50/18; H04L 2209/38; G06Q 2220/10; G06Q 40/08; H04L 9/3239 (86) International application number: PCT/US2020/018999 (87) International publication number: WO 2020/172382 (27.08.2020 Gazette 2020/35)

(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: 20.02.2019 US 201916280766 20.02.2019 US 201916280622 20.02.2019 US 201916280557 20.02.2019 US 201916280670 20.02.2019 US 201916280703 (71) Applicant: Aon Risk Services, Inc. of Maryland New York, NY 10038 (US)

(72) Inventors: LEE, Lewis, C. New York, NY 10038 (US) CROUSE, Daniel New York, NY 10038 (US) ANDREWS, David, Craig New York, NY 10038 (US) FLEMING, Samuel, Cameron New York, NY 10038 (US) LEE, Lewis, Brendan New York, NY 10038 (US) DESMOND, Samuel, John New York, NY 10038 (US) (74) Representative: Ferguson, Isobel Anne  Marks & Clerk LLP Alpha Tower Suffolk Street Queensway Birmingham B1 1TT Birmingham B1 1TT (GB)