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(11)

EP 4 388 481 A1

(12)

(43) Date of publication: 26.06.2024 Bulletin 2024/26 (21) Application number: 22773349.0 (22) Date of filing: 18.08.2022

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) G06Q 20/22(2012.01) G06Q 20/08(2012.01) G06Q 20/38(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/0855; G06Q 20/227; G06Q 20/389; G06Q 20/4015; G06Q 20/4014; G06Q 20/405 (86) International application number: PCT/US2022/040790 (87) International publication number: WO 2023/023270 (23.02.2023 Gazette 2023/08)

(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: 19.08.2021 US 202117406664 19.08.2021 US 202117406688 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)	(72) Inventors: BANTANUR, Vijay Sahebgouda McLean, Virginia 22102 (US) BALASUBRAMANIAN, Muralidharan McLean, Virginia 22102 (US) DALLEN, Julie McLean, Virginia 22102 (US) (74) Representative: Hamer, Thomas Daniel et al Kilburn & Strode LLP Lacon London 84 Theobalds Road London WC1X 8NL London WC1X 8NL (GB)