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EP 4 566 239 A1

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(43) Date of publication: 11.06.2025 Bulletin 2025/24 (21) Application number: 23757752.3 (22) Date of filing: 27.07.2023

(51) International Patent Classification (IPC):  H04L 9/40(2022.01) H04L 9/08(2006.01) G06F 21/60(2013.01) (52) Cooperative Patent Classification (CPC): H04L 63/0428; H04L 63/06; H04L 63/30; G06F 21/606; H04L 9/0891; H04L 63/0281; H04L 63/20; H04L 9/0897; H04L 9/0822; H04L 9/0833 (86) International application number: PCT/US2023/028771 (87) International publication number: WO 2024/030308 (08.02.2024 Gazette 2024/06)

(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: 02.08.2022 US 202217878955 02.08.2022 US 202217878968 02.08.2022 US 202217878983 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)	(72) Inventors: BERGER, Andrew McLean, Virginia 22102 (US) GUPTA, Ashish McLean, Virginia 22102 (US) SREERAVINDRA, Bharath Bhushan MCLEAN, Virginia 22102 (US) CHENG, Hao MCLEAN, Virginia 22102 (US) BAZLER, Marek MCLEAN, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)