The EPO published patent application EP4222678A2 on March 25, 2026, covering JPMorgan Chase Bank's systems, methods, and devices for assigning transaction risk scores (IPC classification G06Q 20/40). The patent names eight inventors and designates thirty-four European states. The patent application describes technical systems for evaluating transaction risk in electronic payment and financial commerce environments.

Patent publications do not impose compliance obligations on third parties. Financial institutions and fintech companies developing transaction risk scoring systems should review this patent to understand JPMorgan's intellectual property claims in this domain. Legal counsel should be consulted regarding any potential concerns about freedom to operate or licensing implications for overlapping technologies.