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EP 4 740 110 A1

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(43) Date of publication: 13.05.2026 Bulletin 2026/20 (21) Application number: 24852571.9 (22) Date of filing: 30.07.2024

(51) International Patent Classification (IPC):  G06F 16/332(2025.01) (52) Cooperative Patent Classification (CPC): G06N 5/00; G06F 40/20; H04L 51/02; G06F 16/3344; G06F 16/33295; G06F 16/3338; G06F 16/90332; G06N 3/045; G06F 40/30; G06F 40/35 (86) International application number: PCT/US2024/040226 (87) International publication number: WO 2025/034464 (13.02.2025 Gazette 2025/07)

(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: GE KH MA MD TN (30) Priority: 04.08.2023 IN 202341052669 25.09.2023 US 202318473989 25.09.2023 US 202318474037 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)

(72) Inventors: ADDANKI, Santosh San Jose, California 95131 (US) LANKA, Soujanya San Jose, California 95131 (US) MURTHY, Nandana San Jose, California 95131 (US) PATHURI, Koteswara Rao San Jose, California 95131 (US) RANJAN, Bineet San Jose, California 95131 (US) XI, Liang San Jose, California 95131 (US) HAN, Xiaoying San Jose, California 95131 (US) SRIPADRAJ, Raghotham San Jose, California 95131 (US) (74) Representative: Nordmeyer, Philipp Werner  Maucher Jenkins Patent- und Rechtsanwälte Liebigstraße 39 80538 München 80538 München (DE)