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(11)

EP 4 817 013 A1

(12)

(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24828594.2 (22) Date of filing: 29.11.2024

(51) International Patent Classification (IPC):  G06Q 40/02(2023.01) G06Q 20/06(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 40/02; G06Q 20/02; G06Q 2220/00; G06Q 20/10; G06Q 20/405 (86) International application number: PCT/US2024/057974 (87) International publication number: WO 2025/117900 (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 202363604719 P 27.11.2024 US 202418962321 (71) Applicant: JPMorgan Chase Bank, N.A. New York, NY 10179 (US)

(72) Inventors: MALLELA, Naveen New York, New York 10179 (US) FAROOQ, Umar New York, New York 10179 (US) ZALTSMAN, Nelli New York, New York 10179 (US) DANIEL, Joshua New York, New York 10179 (US) VALIVETI, Sai Murali Krishna New York, New York 10179 (US) KONG, Alyssa Rachel I Ling New York, New York 10179 (US) DOYLE, Aaron Paul New York, New York 10179 (US) RAJPURIA, Raunak New York, New York 10179 (US) (74) Representative: Patentanwälte Olbricht Buchhold Keulertz  Partnerschaft mbB Neue Mainzer Straße 75 60311 Frankfurt am Main 60311 Frankfurt am Main (DE)