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EP 4 457 731 A1

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(43) Date of publication: 06.11.2024 Bulletin 2024/45 (21) Application number: 22917178.0 (22) Date of filing: 08.12.2022

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) G06F 9/54(2006.01) H04L 9/40(2022.01) G06Q 20/02(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/4016; G06Q 20/12; G06Q 20/027; H04L 63/08; H04L 63/105 (86) International application number: PCT/US2022/052201 (87) International publication number: WO 2023/129354 (06.07.2023 Gazette 2023/27)

(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: 31.12.2021 US 202117567015 (71) Applicant: Mastercard International Incorporated Purchase, NY 10577 (US)

(72) Inventors: GOSSET, Julia, Sharon Tarrytown, NY 10591 (US) KHAN, Warda, Zahid Yorktown Heights, NY 10598 (US) FLORY, Felix, Johannes Wildwood, MO 63011 (US) HOSP, Adam, Kenneth St. Louis, MO 63367 (US) LI, Chengxi Greenwich, CT 06878 (US) MERZ, Christopher, John Wildwood, MO 63040 (US) (74) Representative: Barker Brettell LLP  100 Hagley Road Edgbaston Birmingham B16 8QQ Birmingham B16 8QQ (GB)