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EP 4 771 559 A1

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(43) Date of publication: 08.07.2026 Bulletin 2026/28 (21) Application number: 24861093.3 (22) Date of filing: 29.08.2024

(51) International Patent Classification (IPC):  G06Q 10/06(2023.01) G06F 18/23(2023.01) G06N 20/00(2019.01) G06F 16/906(2019.01) (52) Cooperative Patent Classification (CPC): G06F 18/23; G06N 20/00; G06F 16/906; G06F 18/24; G06Q 50/265; G06Q 50/18; G06Q 40/00; G06Q 30/0609; G06Q 30/0248; G06Q 30/0225; G06Q 30/0185; G06Q 10/067; G06Q 10/0635; G06N 3/045; G06N 3/08; G06N 3/084; G06N 20/20; G06Q 10/46 (86) International application number: PCT/US2024/044562 (87) International publication number: WO 2025/049832 (06.03.2025 Gazette 2025/10)

(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: 30.08.2023 US 202318240057 (71) Applicant: Citigroup Technology, Inc. Weehawken, NJ 07086 (US)

(72) Inventors: SMITH, Brandon Weehawken, New Jersey 07086 (US) KLOTZ, Mathew Weehawken, New Jersey 07086 (US) LINCOLN, Nicholas Weehawken, New Jersey 07086 (US) DAYTON, Steve Weehawken, New Jersey 07086 (US) KUMAR, Neeraj Weehawken, New Jersey 07086 (US) RODRIGUEZ, Lenny Weehawken, New Jersey 07086 (US) SILVER, Miriam Weehawken, NJ 07086 (US) (74) Representative: Grünecker Patent- und Rechtsanwälte PartG mbB  Leopoldstraße 4 80802 München 80802 München (DE)