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(11)

EP 4 740 118 A1

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(43) Date of publication: 13.05.2026 Bulletin 2026/20 (21) Application number: 23945265.9 (22) Date of filing: 07.07.2023

(51) International Patent Classification (IPC):  G06F 18/2433(2023.01) G06N 20/20(2019.01) G06F 21/55(2013.01) G06N 7/01(2023.01) G06N 5/022(2023.01) H04L 41/16(2022.01) G06N 5/047(2023.01) (52) Cooperative Patent Classification (CPC): G06N 5/047; G06N 5/022; G06N 7/01; G06N 20/20; H04L 41/16; H04L 41/14; H04L 43/16; H04L 43/08; H04L 41/147; H04L 41/145; G06F 18/243; G06F 18/245; G06F 18/2413; G06F 21/552; G06N 20/00; G06N 3/088; G06N 20/10 (86) International application number: PCT/US2023/027054 (87) International publication number: WO 2025/014463 (16.01.2025 Gazette 2025/03)

(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 (71) Applicant: Visa International Service Association San Francisco, California 94128 (US)	(72) Inventors: XU, Hao Danville, Pennsylvania 17821 (US) TANGRI, Anurag Burlingame, California 94010 (US) CHETIA, Chiranjeet Round Rock, Texas 78681 (US) (74) Representative: EIP  Fairfax House 15 Fulwood Place London WC1V 6HU London WC1V 6HU (GB)