(19)

(11)

EP 4 035 109 A1

(12)

(43) Date of publication: 03.08.2022 Bulletin 2022/31 (21) Application number: 20868878.8 (22) Date of filing: 28.09.2020

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) G06Q 10/00(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 30/06; G06Q 20/027; G06Q 20/0855; G06Q 20/145; G07F 13/025 (86) International application number: PCT/US2020/053099 (87) International publication number: WO 2021/062376 (01.04.2021 Gazette 2021/13)

(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: 27.09.2019 US 201962907331 P (71) Applicant: Chau, Wunchun Jacksonville FL 32202 (US)	(72) Inventor: Chau, Wunchun Jacksonville FL 32202 (US) (74) Representative: Keltie LLP  No. 1 London Bridge London SE1 9BA London SE1 9BA (GB)