(19)

(11)

EP 4 200 782 A1

(12)

(43) Date of publication: 28.06.2023 Bulletin 2023/26 (21) Application number: 21862317.1 (22) Date of filing: 15.07.2021

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/3829; G06Q 20/3674; G06Q 20/385; G06Q 20/38215; G06Q 20/4014 (86) International application number: PCT/US2021/041872 (87) International publication number: WO 2022/046311 (03.03.2022 Gazette 2022/09)

(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: 24.08.2020 GB 202013230 (71) Applicant: Mastercard International Incorporated Purchase, NY 10577 (US)	(72) Inventors: COLLINGE, Mehdi 7141 Mont-Sainte-Aldegonde, Hainaut (BE) JOHNSON, Alan Essex CM9 8HW (GB) (74) Representative: Murgitroyd & Company  Murgitroyd House 165-169 Scotland Street Glasgow G5 8PL Glasgow G5 8PL (GB)