(19)

(11)

EP 4 222 671 A1

(12)

(43) Date of publication: 09.08.2023 Bulletin 2023/32 (21) Application number: 21806468.1 (22) Date of filing: 29.09.2021

(51) International Patent Classification (IPC):  G06Q 10/06(2023.01) G06Q 50/12(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 10/06311; G06Q 50/12 (86) International application number: PCT/US2021/052673 (87) International publication number: WO 2022/072511 (07.04.2022 Gazette 2022/14)

(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: 30.09.2020 US 202017039193 30.09.2020 US 202017039542 30.09.2020 US 202017039405 (71) Applicant: Block, Inc. Oakland, CA 94612 (US)	(72) Inventors: MAHANTI, Arjun San Francisco, CA 94103 (US) KURSMARK, Matthew T. San Francisco, CA 94103 (US) STEGALL, Brian 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)