(19)

(11)

EP 4 479 919 A1

(12)

(43) Date of publication: 25.12.2024 Bulletin 2024/52 (21) Application number: 22927556.5 (22) Date of filing: 16.12.2022

(51) International Patent Classification (IPC):  G06Q 20/22(2012.01) G06Q 20/02(2012.01) G06Q 20/10(2012.01) G06K 19/06(2006.01) (52) Cooperative Patent Classification (CPC): G06Q 20/02; G06Q 20/10; G06Q 20/223; G06Q 20/108; G06Q 40/02 (86) International application number: PCT/US2022/053126 (87) International publication number: WO 2023/158488 (24.08.2023 Gazette 2023/34)

(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: 16.02.2022 US 202217673209 16.02.2022 US 202217673217 (71) Applicant: Discover Financial Services Riverwoods, Illinois 60015 (US)	(72) Inventors: PATEL, Purvag Riverwoods, Illinois 60015 (US) GONG, Zizhao Riverwoods, Illinois 60015 (US) KOCANDA, Ashley Riverwoods, Illinois 60015 (US) HWANG, Eric Riverwoods, Illinois 60015 (US) KHATRI, Sanjeev Riverwoods, Illinois 60015 (US) MUKHOPADHYAY, Subhrajyoti Riverwoods, Illinois 60015 (US) (74) Representative: Dehns  10 Old Bailey London EC4M 7NG London EC4M 7NG (GB)