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EP 4 816 991 A1

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(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24898427.0 (22) Date of filing: 30.08.2024

(51) International Patent Classification (IPC):  G06N 20/00(2019.01) G06F 9/451(2018.01) G06F 3/0481(2022.01) (52) Cooperative Patent Classification (CPC): G06N 20/00; G06F 3/0481; G06F 8/36; G06F 8/38 (86) International application number: PCT/US2024/044657 (87) International publication number: WO 2025/117002 (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: 27.11.2023 US 202318520204 (71) Applicant: Citibank, N.A. New York, NY 10013 (US)	(72) Inventors: LEWIS, II, Kirk M. New York, New York 10013 (US) DIN, Shahzad New York, New York 10013 (US) THADESHWAR, Aarvi New York, New York 10013 (US) BYRNE, Christopher James New York, New York 10013 (US) (74) Representative: Grünecker Patent- und Rechtsanwälte PartG mbB  Leopoldstraße 4 80802 München 80802 München (DE)