US 12,333,538 B2
Systems and methods for using proxy number tokens with configurable relationship data bindings
Allison Fenichel, Brooklyn, NY (US); Amanda Sneider, New York, NY (US); and Niyati Shah, Pleasanton, CA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 22, 2024, as Appl. No. 18/614,511.
Application 18/614,511 is a continuation of application No. 17/235,000, filed on Apr. 20, 2021, granted, now 11,966,921.
Prior Publication US 2024/0273531 A1, Aug. 15, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); H04L 9/32 (2006.01); G06N 20/00 (2019.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/405 (2013.01); H04L 9/3213 (2013.01); G06N 20/00 (2019.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
at least one memory unit storing instructions; and
at least one processor configured to execute the instructions to:
determine a proxy number token having a configuration comprising a first restriction to limit use of the proxy number token to transactions with a first merchant;
in response to determining, via a machine learning model, a prevented transaction association between (i) the first merchant with which the proxy number token is configured for use and (ii) a second merchant with which the proxy number token is not configured for use, generate a modified configuration by modifying the configuration of the proxy number token such that the configuration of the proxy number token is modified to allow use of the proxy number token to a given transaction that is with the second merchant; and
in response to receiving a request to use the proxy number token to complete a transaction with the second merchant, grant use of the proxy number token for the transaction with the second merchant based on (i) the modified configuration of the proxy number token and (ii) the transaction satisfying one or more parameters that are indicated by the modified configuration.