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(11)

EP 4 569 425 A1

(12)

(43) Date of publication: 18.06.2025 Bulletin 2025/25 (21) Application number: 23762317.8 (22) Date of filing: 08.08.2023

(51) International Patent Classification (IPC):  G06F 21/40(2013.01) G06Q 20/06(2012.01) G06F 21/31(2013.01) H04L 9/40(2022.01) H04L 9/08(2006.01) H04L 9/32(2006.01) G06F 21/62(2013.01) (52) Cooperative Patent Classification (CPC): G06Q 20/065; G06F 21/6209; G06F 21/40; H04L 9/0894; H04L 9/50; G06F 21/64; H04L 63/06; H04L 63/12; H04L 63/20; H04L 2209/56; H04L 9/3255; G06Q 50/01; G06Q 20/409; G03F 7/70883; G03F 7/70933 (86) International application number: PCT/US2023/029739 (87) International publication number: WO 2024/035707 (15.02.2024 Gazette 2024/07)

(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: 08.08.2022 US 202263396208 P 18.07.2023 US 202318223486 (71) Applicant: Block, Inc. Oakland, CA 94612 (US)	(72) Inventors: LANMAN, Ryan Oakland, CA 94612 (US) SCHOOF, Alexander Oakland, CA 94612 (US) AMINPOUR, Arvin Oakland, CA 94612 (US) GARRETT, Clayton Oakland, CA 94612 (US) (74) Representative: Fernandes, Bernadette Isabella  Kilburn & Strode LLP Lacon London 84 Theobalds Road London WC1X 8NL London WC1X 8NL (GB)