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(11)

EP 4 824 652 A1

(12)

(43) Date of publication: 21.10.2026 Bulletin 2026/43 (21) Application number: 24904585.7 (22) Date of filing: 11.10.2024

(51) International Patent Classification (IPC):  G06F 8/77(2018.01) G06N 5/025(2023.01) (52) Cooperative Patent Classification (CPC): G06F 8/77; G06N 5/025; G06N 3/045; G06N 3/047; G06N 3/0475; G06N 3/088; G06N 3/0455; G06N 3/094; G06N 3/084; G06N 3/09 (86) International application number: PCT/US2024/051150 (87) International publication number: WO 2025/128189 (19.06.2025 Gazette 2025/25)

(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: 11.12.2023 US 202318535001 20.05.2024 US 202418669421 23.07.2024 US 202418781965 23.07.2024 US 202418781977 23.07.2024 US 202418781985 (71) Applicant: Citibank, N.A. New York, NY 10013 (US)

(72) Inventors: MYERS, James New York, VA 10013 (US) SILVER, Miriam New York, 10013 (US) (74) Representative: Schulte, Drew Joseph et al Foley & Lardner LLP Boulevard Saint Michel 47 1040 Bruxelles 1040 Bruxelles (BE)