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EP 4 309 041 A1

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(43) Date of publication: 24.01.2024 Bulletin 2024/04 (21) Application number: 21931884.7 (22) Date of filing: 15.03.2021

(51) International Patent Classification (IPC):  G06F 15/16(2006.01) G06F 12/14(2006.01) H04L 9/00(2022.01) G06F 11/30(2006.01) G06F 17/00(2019.01) (52) Cooperative Patent Classification (CPC): G06F 21/60; G06F 40/279 (86) International application number: PCT/US2021/022365 (87) International publication number: WO 2022/197283 (22.09.2022 Gazette 2022/38)

(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 (71) Applicant: JPMorgan Chase Bank, N.A. New York, NY 10179 (US)	(72) Inventors: CHANCE, Ian M. New York, New York 10179 (US) KUMARI, Shalini New York, New York 10179 (US) NAGARAJ, Monicka New York, New York 10179 (US) ARORA, Parminder New York, New York 10179 (US) NAIK, Yasha New York, New York 10179 (US) (74) Representative: Keil & Schaafhausen Patentanwälte PartGmbB  Friedrichstraße 2-6 60323 Frankfurt am Main 60323 Frankfurt am Main (DE)