(19)

(11)

EP 4 327 255 A1

(12)

(43) Date of publication: 28.02.2024 Bulletin 2024/09 (21) Application number: 22792516.1 (22) Date of filing: 21.04.2022

(51) International Patent Classification (IPC):  G06N 20/20(2019.01) (52) Cooperative Patent Classification (CPC): G06N 20/20; G06N 5/01; G06N 7/01; G06N 3/08 (86) International application number: PCT/US2022/025806 (87) International publication number: WO 2022/226216 (27.10.2022 Gazette 2022/43)

(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: 23.04.2021 US 202117238486 23.04.2021 US 202117238536 23.04.2021 US 202117239261 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)

(72) Inventors: GONZALEZ MACIAS, Vannia McLean, Virginia 22102 (US) KOC, Talha McLean, Virginia 22102 (US) DAVIS, Mark McLean, Virginia 22102 (US) BHATTARAI, Prarthana McLean, Virginia 22102 (US) ROBERTS, Mark McLean, Virginia 22102 (US) ROZET, Alan McLean, Virginia 22102 (US) SHAO, Mengfei McLean, Virginia 22102 (US) GARCIA, Scott McLean, Virginia 22102 (US) TERRANA, Peter McLean, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)