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EP 4 359 982 A1

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(43) Date of publication: 01.05.2024 Bulletin 2024/18 (21) Application number: 22829497.1 (22) Date of filing: 22.06.2022

(51) International Patent Classification (IPC):  G06F 21/60(2013.01) G06N 3/08(2006.01) G06F 21/62(2013.01) (52) Cooperative Patent Classification (CPC): G06F 21/6254; G06F 21/552; G06N 20/00 (86) International application number: PCT/US2022/073085 (87) International publication number: WO 2022/272262 (29.12.2022 Gazette 2022/52)

(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: 24.06.2021 US 202117357602 24.06.2021 US 202117357626 01.12.2021 US 202117457217 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)

(72) Inventors: CHHIBBER, Abhishek San Jose, California 95131 (US) DESAI, Darshankumar Bhadrasinh San Jose, California 95131 (US) TODASCO, Michael Charles San Jose, California 95131 (US) NAWARE, Vidyut Mukund San Jose, California 95131 (US) SHARMA, Nitin S. San Jose, California 95131 (US) (74) Representative: Müller-Boré & Partner Patentanwälte PartG mbB  Friedenheimer Brücke 21 80639 München 80639 München (DE)