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(11)

EP 4 824 658 A1

(12)

(43) Date of publication: 21.10.2026 Bulletin 2026/43 (21) Application number: 24904908.1 (22) Date of filing: 12.12.2024

(51) International Patent Classification (IPC):  G06F 9/48(2006.01) G06F 9/54(2006.01) G06F 8/38(2018.01) G06F 9/445(2018.01) G06F 16/9035(2019.01) (52) Cooperative Patent Classification (CPC): G06F 9/4881; G06F 9/4843 (86) International application number: PCT/US2024/059881 (87) International publication number: WO 2025/128890 (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: 13.12.2023 US 202318539253 (71) Applicant: Capital One Services, LLC McLean, Virginia 22102 (US)	(72) Inventors: IRVINE, Leandra McLean, Virginia 22102 (US) MUDRICK, Kevin M. McLean, Virginia 22102 (US) DEWAAL, Leonhardt McLean, Virginia 22102 (US) LI, Xuan McLean, Virginia 22102 (US) (74) Representative: Boult Wade Tennant LLP  Salisbury Square House 8 Salisbury Square London EC4Y 8AP London EC4Y 8AP (GB)