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(11)

EP 4 816 953 A1

(12)

(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24817204.1 (22) Date of filing: 27.11.2024

(51) International Patent Classification (IPC):  G06F 21/32(2013.01) G06F 21/31(2013.01) (52) Cooperative Patent Classification (CPC): G06F 21/32; G06F 21/35; G06Q 20/341; G06Q 20/355; G06Q 20/357; G07F 7/0833; G07F 7/1008; G06Q 20/352; G07F 11/00; G07F 17/42; G07F 9/0235; G06Q 20/40145 (86) International application number: PCT/EP2024/083766 (87) International publication number: WO 2025/114361 (05.06.2025 Gazette 2025/23)

(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: 01.12.2023 IN 202311081842 (71) Applicant: Giesecke+Devrient ePayments GmbH 81677 München (DE)	(72) Inventor: KATIKAR, Prajakta Milind Pune, 411004 (IN) (74) Representative: Giesecke+Devrient IP  Prinzregentenstraße 161 81677 München 81677 München (DE)