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(11)

EP 4 824 788 A1

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(43) Date of publication: 21.10.2026 Bulletin 2026/43 (21) Application number: 24904623.6 (22) Date of filing: 26.11.2024

(51) International Patent Classification (IPC):  G10L 21/0272(2013.01) G11B 27/02(2006.01) G10L 25/00(2013.01) G11B 20/10(2006.01) H04H 60/04(2008.01) G10L 21/00(2013.01) (52) Cooperative Patent Classification (CPC): G10L 25/30; G10L 25/81; G10L 25/84; G10L 21/0272 (86) International application number: PCT/US2024/057522 (87) International publication number: WO 2025/128325 (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: 15.12.2023 US 202318541788 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)	(72) Inventors: QI, Panpan San Jose, California 95131 (US) CHEN, Zhe San Jose, California 95131 (US) TANG, Quan Jin Ferdinand San Jose, California 95131 (US) (74) Representative: Nordmeyer, Philipp Werner  Maucher Jenkins Patent- und Rechtsanwälte Partnerschaft mbB Liebigstraße 39 80538 München 80538 München (DE)