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(11)

EP 4 062 357 A1

(12)

(43) Date of publication: 28.09.2022 Bulletin 2022/39 (21) Application number: 20962742.1 (22) Date of filing: 25.11.2020

(51) International Patent Classification (IPC):  G06Q 40/04(2012.01) G06F 21/64(2013.01) G06Q 20/06(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 40/04; G06Q 20/06; G06F 21/64 (86) International application number: PCT/CN2020/131419 (87) International publication number: WO 2022/109851 (02.06.2022 Gazette 2022/22)

(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: Alipay (Hangzhou) Information Technology Co., Ltd. Hangzhou, Zhejiang 310000 (CN)	(72) Inventor: LI, Zhiguo Hangzhou, Zhejiang 310000 (CN) (74) Representative: Fish & Richardson P.C.  Highlight Business Towers Mies-van-der-Rohe-Straße 8 80807 München 80807 München (DE)