(19)

(11)

EP 4 449 291 A1

(12)

(43) Date of publication: 23.10.2024 Bulletin 2024/43 (21) Application number: 22856881.2 (22) Date of filing: 13.12.2022

(51) International Patent Classification (IPC):  G06F 21/62(2013.01) (52) Cooperative Patent Classification (CPC): G06F 21/6227; G06F 21/6245; G06F 21/6254; G06F 2221/2141 (86) International application number: PCT/US2022/052622 (87) International publication number: WO 2023/114164 (22.06.2023 Gazette 2023/25)

(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 ME MK MT NL NO PL PT RO RS SE SI SK SM TR Designated Extension States: BA Designated Validation States: KH MA MD TN (30) Priority: 14.12.2021 US 202117550032 14.12.2021 US 202117550036 14.12.2021 US 202117550040 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)	(72) Inventors: GURRAM, Nagender McLean, Virginia 22102 (US) BATRA, Yudhish McLean, Virginia 22102 (US) SALIM, Syed Shamaz McLean, Virginia 22102 (US) KANDUKURI, Praveen McLean, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)