US 12,328,393 B2
Computer-based systems configured for authenticating based on generated virtual tokens and methods of use thereof
Lin Ni Lisa Cheng, New York, NY (US); Elisa-Michelle Rodriguez, Fairfax, VA (US); Leeyat Bracha Tessler, Arlington, VA (US); Kyle Johnson, Seattle, WA (US); Angelina Wu, Vienna, VA (US); Rocky Guo, Vienna, VA (US); and Michael Saia, Walpole, MA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jan. 21, 2022, as Appl. No. 17/581,683.
Prior Publication US 2023/0239150 A1, Jul. 27, 2023
Int. Cl. H04L 9/32 (2006.01); G06Q 20/34 (2012.01); H04L 9/08 (2006.01)
CPC H04L 9/3213 (2013.01) [G06Q 20/351 (2013.01); H04L 9/0869 (2013.01); H04L 9/3236 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by at least one processor from an initiator device, an electronic data modification instruction to cause at least one data modification to at least one attribute of at least one account associated with a user profile, the electronic data modification instruction being associated with at least one activity;
wherein the electronic data modification instruction comprises:
a virtual identifier associated with the user profile, wherein the user profile is associated with a plurality of actual accounts, and
at least one modification condition;
wherein the virtual identifier is associated with metadata configured to cause the electronic modification instruction to be routed to a pre-authorization phase;
determining, by the at least one processor, in the pre-authorization phase, at least one account modification preference associated with the plurality of actual accounts based at least in part on the at least one modification condition;
utilizing, by the at least one processor, in the pre-authorization phase an account-specific modification machine learning model to predict at least one account-specific modification in response to the virtual account modification based at least in part on the at least one modification condition and the at least one account modification preference;
generating, by the at least one processor, in the pre-authorization phase, a virtual token mapped to a particular actual account of the plurality of actual accounts of the user profile based at least in part on the at least one account-specific modification indicating the particular actual res account;
routing, by the at least one processor, in the pre-authorization phase, using the virtual token, the electronic data modification instruction to at least one database management system to modify the particular actual account according to the at least one account-specific modification; and
instructing, by the at least one processor, in response at least one database management system modifying the particular actual account, the initiator device to perform the at least one activity associated with the electronic data modification instruction.