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EP 4 817 003 A1

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(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24827434.2 (22) Date of filing: 25.11.2024

(51) International Patent Classification (IPC):  G06Q 20/06(2012.01) G06Q 20/36(2012.01) H04L 9/08(2006.01) G06Q 20/34(2012.01) G06Q 20/38(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/34; G06Q 20/3672; H04L 9/0822; G06Q 20/3829; G06Q 20/065; H04L 2209/56; H04L 9/50; H04L 9/0866 (86) International application number: PCT/US2024/057295 (87) International publication number: WO 2025/117452 (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: 28.11.2023 US 202318521990 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)	(72) Inventors: OSBORN, Kevin McLean, Virginia 22102 (US) MONTEALEGRE, Andrea McLean, Virginia 22102 (US) SMITH-ROSE, Asher McLean, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)