(19)

(11)

EP 4 584 742 A1

(12)

(43) Date of publication: 16.07.2025 Bulletin 2025/29 (21) Application number: 23782382.8 (22) Date of filing: 01.09.2023

(51) International Patent Classification (IPC):  G06Q 20/38(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/385; G06Q 20/02; G06Q 20/3821; G06Q 20/4016 (86) International application number: PCT/US2023/073291 (87) International publication number: WO 2024/054779 (14.03.2024 Gazette 2024/11)

(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: 06.09.2022 US 202263374693 P 23.11.2022 US 202218058456 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)

(72) Inventors: BROWN, Kelly, Jo McLean, Virginia 22102 (US) EMERY, Jesse McLean, Virginia 22102 (US) BLOCKSOM, Jonathan Reston, Virginia 20191 (US) MANDALA, Swapna McLean, Virginia 22102 (US) SAFFORD, Todd McLean, Virginia 22102 (US) YANG, Victoria McLean, Virginia 22102 (US) GLOWNIAK, Brian McLean, Virginia 22102 (US) HUSA, Edward McLean, Virginia 22102 (US) SUN, Calvin McLean, Virginia 22102 (US) ZHANG, Audrey McLean, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)