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EP 4 487 283 A1

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(43) Date of publication: 08.01.2025 Bulletin 2025/02 (21) Application number: 23714441.5 (22) Date of filing: 02.03.2023

(51) International Patent Classification (IPC):  G06Q 30/0202(2023.01) G06Q 30/0251(2023.01) (52) Cooperative Patent Classification (CPC): G06Q 30/0202; G06Q 30/0255 (86) International application number: PCT/US2023/063617 (87) International publication number: WO 2023/168362 (07.09.2023 Gazette 2023/36)

(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: 04.03.2022 US 202263268900 P 27.02.2023 US 202318174848 (71) Applicant: JPMorgan Chase Bank, N.A. New York, NY 10179 (US)

(72) Inventors: CONNOLLY, Eric New York, New York 10179 (US) YOUNG, Brian New York, New York 10179 (US) RAO, Pavani New York, New York 10179 (US) ELYASHEVA, Julia New York, New York 10179 (US) SELVAKUMAR, Sudharsan New York, New York 10179 (US) JEON, Bryan New York, New York 10179 (US) CHEBIYYAM, Aditya New York, New York 10179 (US) ZHANG, Sean New York, New York 10179 (US) (74) Representative: Patentanwälte Olbricht Buchhold Keulertz  Partnerschaft mbB Neue Mainzer Straße 75 60311 Frankfurt am Main 60311 Frankfurt am Main (DE)