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(11)

EP 4 244 791 A1

(12)

(43) Date of publication: 20.09.2023 Bulletin 2023/38 (21) Application number: 21892592.3 (22) Date of filing: 03.11.2021

(51) International Patent Classification (IPC):  G06Q 10/10(2023.01) H04L 9/08(2006.01) H04L 9/14(2006.01) G06Q 20/10(2012.01) H04L 9/12(2006.01) H04L 9/16(2006.01) (52) Cooperative Patent Classification (CPC): G06Q 10/10; G06Q 20/3274; G06Q 20/208; G06Q 20/202; H04L 9/3231; H04L 9/0866; G09C 5/00 (86) International application number: PCT/US2021/057864 (87) International publication number: WO 2022/103629 (19.05.2022 Gazette 2022/20)

(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: 11.11.2020 US 202017095428 11.11.2020 US 202017095449 11.11.2020 US 202017095467 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)	(72) Inventors: BABCOCK, Patrick San Jose, CA 95131 (US) CLARK, Laura San Jose, CA 95131 (US) SANDERSON, Oscar Charles Edward San Jose, CA 95131 (US) (74) Representative: Forresters IP LLP  Skygarden Erika-Mann-Straße 11 80636 München 80636 München (DE)