(19)

(11)

EP 4 799 062 A1

(12)

(43) Date of publication: 02.09.2026 Bulletin 2026/36 (21) Application number: 24883510.0 (22) Date of filing: 28.10.2024

(51) International Patent Classification (IPC):  G06F 18/2115(2023.01) G06F 18/20(2023.01) G06F 18/2321(2023.01) (52) Cooperative Patent Classification (CPC): G06Q 40/06 (86) International application number: PCT/US2024/053249 (87) International publication number: WO 2025/091027 (01.05.2025 Gazette 2025/18)

(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: 27.10.2023 US 202363593796 P (71) Applicant: FinOptSys, Inc. Pearland, TX 77584 (US)	(72) Inventors: HERNANDEZ ARROYO, Alfredo, Antonio Pearland, TX 77584 (US) BHAKTA, Divyesh Pearland, TX 77584 (US) (74) Representative: Cresswell, Ashley Frederick et al Kilburn & Strode LLP Lacon London 84 Theobalds Road London WC1X 8NL London WC1X 8NL (GB)