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(11)

EP 4 740 124 A1

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(43) Date of publication: 13.05.2026 Bulletin 2026/20 (21) Application number: 24836519.9 (22) Date of filing: 01.07.2024

(51) International Patent Classification (IPC):  G06F 21/56(2013.01) G06N 3/0442(2023.01) G06N 3/0455(2023.01) G06N 3/08(2023.01) (52) Cooperative Patent Classification (CPC): G06N 3/08; G06N 3/0455; G06N 3/0442; G06F 21/563; G06N 3/045; G06N 3/044 (86) International application number: PCT/US2024/036445 (87) International publication number: WO 2025/010234 (09.01.2025 Gazette 2025/02)

(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: 03.07.2023 US 202363511746 P (71) Applicant: Visa International Service Association San Francisco, California 94128 (US)	(72) Inventors: YU, Junjun San Francisco, California 94128 (US) CLEVELAND, Sam San Francisco, California 94128 (US) SONG, Jia San Francisco, California 94128 (US) (74) Representative: EIP  Fairfax House 15 Fulwood Place London WC1V 6HU London WC1V 6HU (GB)