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EP 4 817 247 A1

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(43) Date of publication: 07.10.2026 Bulletin 2026/41 (21) Application number: 24898603.6 (22) Date of filing: 25.11.2024

(51) International Patent Classification (IPC):  H04L 9/40(2022.01) H04L 12/66(2006.01) H04L 67/55(2022.01) (52) Cooperative Patent Classification (CPC): H04L 12/66; H04W 4/80; H04W 12/08; G06Q 20/405; G06Q 20/322; G06Q 20/401 (86) International application number: PCT/US2024/057347 (87) International publication number: WO 2025/117478 (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 202363604735 P (71) Applicant: Visa International Service Association San Francisco, California 94128 (US)

(72) Inventors: MITCHLEY, Geraldine San Francisco, California 94128 (US) QUON, Amanda San Francisco, California 94128 (US) JAVKIN, Ian San Francisco, California 94128 (US) DUTTA, Esha San Francisco, California 94128 (US) GUPTA, Sonia San Francisco, California 94128 (US) CHEN, Yuexi San Francisco, California 94128 (US) KEKICHEFF, Marc San Francisco, California 94128 (US) JARUGU, Ratna Deepthi San Francisco, California 94128 (US) TRILLO, Manuel San Francisco, California 94128 (US) MACHICAO, Andre San Francisco, California 94128 (US) (74) Representative: EIP  Fairfax House 15 Fulwood Place London WC1V 6HU London WC1V 6HU (GB)