(19)

(11)

EP 4 172 904 A2

(12)

(88) Date of publication A3: 08.12.2022 (43) Date of publication: 03.05.2023 Bulletin 2023/18 (21) Application number: 21832319.4 (22) Date of filing: 26.04.2021

(51) International Patent Classification (IPC):  G06Q 20/32(2012.01) H04W 4/02(2018.01) G06Q 40/02(2023.01) (52) Cooperative Patent Classification (CPC): G06Q 40/02 (86) International application number: PCT/TR2021/050375 (87) International publication number: WO 2022/005424 (06.01.2022 Gazette 2022/01)

(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: 29.06.2020 TR 202010154 (71) Applicant: Kuveyt Türk Katilim Bankasi A. S. Çayirova/Kocaeli (TR)	(72) Inventor: TUNÇ, Ali Selçuklu/Konya (TR) (74) Representative: Yamankaradeniz, Kemal  Destek Patent Inc. Maslak Mah., Büyükdere Cad., No: 243, Kat: 13, Spine Tower, Sariyer, 34485 Istanbul 34485 Istanbul (TR)