US 12,149,529 B2
Adaptive artificial intelligence systems and methods for token verification
Allison Fenichel, Brooklyn, NY (US); Brice Elder, Brooklyn, NY (US); and Varun Gupta, Edison, NY (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 21, 2023, as Appl. No. 18/515,410.
Application 18/515,410 is a continuation of application No. 18/066,100, filed on Dec. 14, 2022, granted, now 11,863,551.
Application 18/066,100 is a continuation of application No. 17/195,272, filed on Mar. 8, 2021, granted, now 11,658,965.
Application 17/195,272 is a continuation of application No. 16/821,368, filed on Mar. 17, 2020, granted, now 10,979,422, issued on Apr. 13, 2021.
Prior Publication US 2024/0089255 A1, Mar. 14, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06N 20/00 (2019.01)
CPC H04L 63/0853 (2013.01) [G06N 20/00 (2019.01); H04L 63/0807 (2013.01); H04L 63/0876 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for verifying tokenized requests, the system comprising:
at least one memory storing instructions; and
one or more processors configured to execute the instructions to perform operations comprising:
receiving a first tokenized request from a first external system, wherein the first tokenized request comprises first request data, and wherein the first request data comprises a first payment request and a first tokenized payment number;
inputting the first request data into a verification model, wherein the verification model comprises a gradient boosting machine model trained on verification training data to determine whether to grant tokenized requests, and wherein the verification training data comprises historical request data of tokenized requests and corresponding result data;
generating a first output of the verification model based on the first request data; and
based on the first output, granting the first tokenized request wherein granting the first tokenized request comprises retrieving an account number linked to the first tokenized payment number and processing the first payment request using the account number.