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EP 4 381 435 A1

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(43) Date of publication: 12.06.2024 Bulletin 2024/24 (21) Application number: 22854024.1 (22) Date of filing: 22.07.2022

(51) International Patent Classification (IPC):  G06N 20/00(2019.01) G06N 3/08(2023.01) (52) Cooperative Patent Classification (CPC): G06N 20/00; G06N 3/098; G06Q 20/4016; G06F 21/44; G06N 3/09; G06F 21/55 (86) International application number: PCT/US2022/074037 (87) International publication number: WO 2023/015111 (09.02.2023 Gazette 2023/06)

(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: 05.08.2021 US 202117395014 05.08.2021 US 202117395204 (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)