(19)

(11)

EP 4 014 459 A1

(12)

(43) Date of publication: 22.06.2022 Bulletin 2022/25 (21) Application number: 19941557.1 (22) Date of filing: 12.08.2019

(51) International Patent Classification (IPC):  H04L 29/06(2006.01) (52) Cooperative Patent Classification (CPC): H04L 63/0861; H04L 63/0838 (86) International application number: PCT/US2019/046137 (87) International publication number: WO 2021/029865 (18.02.2021 Gazette 2021/07)

(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 (71) Applicant: AXOS BANK San Diego, CA 92122 (US)	(72) Inventor: CU CASTRO, Carlos, M. San Diego, CA 92122 (US) (74) Representative: Barker Brettell LLP  100 Hagley Road Edgbaston Birmingham B16 8QQ Birmingham B16 8QQ (GB)