(19)

(11)

EP 4 469 905 A1

(12)

(43) Date of publication: 04.12.2024 Bulletin 2024/49 (21) Application number: 22924458.7 (22) Date of filing: 28.01.2022

(51) International Patent Classification (IPC):  G06F 16/00(2019.01) (52) Cooperative Patent Classification (CPC): G06F 16/219; G06F 16/2358; G06F 16/2474; G06F 16/2477 (86) International application number: PCT/US2022/014327 (87) International publication number: WO 2023/146532 (03.08.2023 Gazette 2023/31)

(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 (71) Applicant: JPMorgan Chase Bank, N.A. New York, NY 10179 (US)	(72) Inventor: ELTSUFIN, Eugene New York, New York 10179 (US) (74) Representative: Keil & Schaafhausen Patentanwälte PartGmbB  Bockenheimer Landstraße 25 60325 Frankfurt am Main 60325 Frankfurt am Main (DE)