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EP 4 740 162 A2

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(88) Date of publication A3: 01.05.2025 (43) Date of publication: 13.05.2026 Bulletin 2026/20 (21) Application number: 24856991.5 (22) Date of filing: 30.07.2024

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) (52) Cooperative Patent Classification (CPC): G06F 21/31; G06F 21/42; G06F 21/43; G06Q 20/12; G06Q 20/3821; G06Q 20/385; G06Q 20/4014; G06N 20/00; G06Q 30/0613; G06Q 30/0601 (86) International application number: PCT/US2024/040231 (87) International publication number: WO 2025/042556 (27.02.2025 Gazette 2025/09)

(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: 18.08.2023 US 202318452389 18.08.2023 US 202318452404 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)

(72) Inventors: BASU, Rohit San Jose, California 95131 (US) KAKANI, Abhishek San Jose, California 95131 (US) DUNNE, Meggan Marie San Jose, California 95131 (US) THROENER, Andrew San Jose, California 95131 (US) GEORGE, Trini San Jose, California 95131 (US) LAROSA, Michael San Jose, California 95131 (US) (74) Representative: Nordmeyer, Philipp Werner  Maucher Jenkins Patent- und Rechtsanwälte Liebigstraße 39 80538 München 80538 München (DE)