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(11)

EP 4 817 007 A1

(12)

(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24898451.0 (22) Date of filing: 18.10.2024

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) G06F 40/20(2020.01) (52) Cooperative Patent Classification (CPC): H04L 67/10; H04L 63/1425 (86) International application number: PCT/US2024/051892 (87) International publication number: WO 2025/117080 (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 202318524468 (71) Applicant: Citibank, N.A. New York, NY 10013 (US)

(72) Inventors: WALI, Girish New York, New York 10013 (US) TUTEJA, Deepali New York, New York 10013 (US) RAMAKRISHNA, Prasanth Babu Madakasira New York, New York 10013 (US) PICKARD, Brett New York, New York 10013 (US) GURUMURTHI, Saketh Ram New York, New York 10013 (US) (74) Representative: Richly & Ritschel Patentanwälte PartG mbB  Sattlerweg 20 51429 Bergisch Gladbach 51429 Bergisch Gladbach (DE)