(19)

(11)

EP 4 817 004 A1

(12)

(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 25896226.5 (22) Date of filing: 21.11.2025

(51) International Patent Classification (IPC):  G06Q 20/06(2012.01) G06Q 20/36(2012.01) G06Q 20/40(2012.01) H04L 9/00(2022.01) G06Q 20/10(2012.01) G06Q 20/38(2012.01) G06Q 20/02(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 20/02; H04L 9/00; G06Q 20/065; G06Q 20/405; G06Q 20/401 (86) International application number: PCT/US2025/056715 (87) International publication number: WO 2026/112523 (28.05.2026 Gazette 2026/22)

(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 LA MA MD TN (30) Priority: 21.11.2024 US 202463723446 P (71) Applicant: Visa International Service Association San Francisco, CA 94128-8999 (US)	(72) Inventors: SAIFUDDIN, Hussain San Francisco, California 94128-8999 (US) KHAN, Muhammad Bassam Adil San Francisco, California 94128-8999 (US) BEAMS, Andrew San Francisco, California 94128-8999 (US) DAMALA, Lakshmi Narasimhulu San Francisco, California 94128-8999 (US) (74) Representative: EIP  Fairfax House 15 Fulwood Place London WC1V 6HU London WC1V 6HU (GB)