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(11)

EP 4 165 579 A1

(12)

(43) Date of publication: 19.04.2023 Bulletin 2023/16 (21) Application number: 21752617.7 (22) Date of filing: 19.07.2021

(51) International Patent Classification (IPC):  G06Q 30/06(2023.01) G06Q 20/32(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/322; G06Q 20/326; G06Q 20/3265; G06Q 20/3267; G06Q 20/3276; G06Q 20/3278; G06Q 20/389; G06Q 30/0207; G06Q 30/0641 (86) International application number: PCT/US2021/042140 (87) International publication number: WO 2022/026227 (03.02.2022 Gazette 2022/05)

(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: 30.07.2020 US 202063058841 P 07.12.2020 US 202017113971 07.12.2020 US 202017114015 07.12.2020 US 202017114128 07.12.2020 US 202017114080 (71) Applicant: Block, Inc. Oakland, CA 94612 (US)

(72) Inventors: GOOLKASIAN, Philip San Francisco, CA 94103 (US) LABBE, Brandon San Francisco, CA 94103 (US) ODEMCHUK, Vitaly San Francisco, CA 94103 (US) FOROUZANDEH, Shaun San Francisco, CA 94103 (US) STELGALL, Brian San Francisco, CA 94103 (US) BENNINGS, Todd San Francisco, CA 94103 (US) KURSMARK, Matthew T. San Francisco, CA 94103 (US) MAHANTI, Arjun San Francisco, CA 94103 (US) PERRY, Marc David San Francisco, CA 94103 (US) WIGGINTON, Kenneth Randall Kinsella San Francisco, CA 94103 (US) (74) Representative: St Clair Jones, Gregory Arthur Langley et al Kilburn & Strode LLP Lacon London 84 Theobalds Road London WC1X 8NL London WC1X 8NL (GB)