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(11)

EP 4 817 002 A1

(12)

(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24827474.8 (22) Date of filing: 26.11.2024

(51) International Patent Classification (IPC):  G06Q 20/02(2012.01) G06Q 20/28(2012.01) G06Q 20/34(2012.01) G06Q 20/08(2012.01) G06Q 20/32(2012.01) G06Q 20/40(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/02; G06Q 20/0855; G06Q 20/327; G06Q 20/353; G06Q 20/4015; G06Q 30/0613; G06Q 20/352; G06Q 20/4014; G06Q 20/3829; G06Q 20/12; G06Q 20/3224 (86) International application number: PCT/US2024/057419 (87) International publication number: WO 2025/117519 (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: 30.11.2023 US 202318524093 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)	(72) Inventors: RULE, Jeffrey McLean, Virginia 22102 (US) WIEKER, Jeffrey Carlyle McLean, Virginia 22102 (US) LOWE, Megan M. McLean, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)