US-20260127611-A1 - DYNAMIC MODIFICATION OF VIRTUAL IDENTIFIERS BASED ON MACHINE LEARNING

US20260127611A1US 20260127611 A1US20260127611 A1US 20260127611A1US-20260127611-A1

Abstract

In some implementations, an identifier manager may receive an indication of the virtual identifier that is linked to a permanent identifier. The identifier manager may receive, from a data storage, a data structure encoding at least one event associated with the virtual identifier. The identifier manager may provide the data structure to a machine learning model in order to a receive a score associated with the at least one event. The identifier manager may map the score to an instruction to modify the virtual identifier. The identifier manager may link a modified virtual identifier to the permanent identifier and unlink the virtual identifier from the permanent identifier. The identifier manager may transmit, to one or more devices using the virtual identifier, an indication of the modified virtual identifier.

Inventors

Lawrence Hutchison Douglas, Jr.
Jeffrey Rule
Jackson Macomber

Assignees

CAPITAL ONE SERVICES, LLC

Dates

Publication Date: 20260507
Application Date: 20241106

Claims (20)

1 . A system for dynamically modifying a virtual identifier, the system comprising: one or more memories; and one or more processors, communicatively coupled to the one or more memories, configured to: receive an indication of the virtual identifier that is linked to a permanent identifier, the virtual identifier including a tokenized value generated using a pseudo-random number generator or algorithm, and the permanent identifier including a secret value; receive a data structure encoding at least one event associated with the virtual identifier; apply a machine learning model using the data structure in order to receive a score associated with the at least one event, wherein the machine learning model is trained on information being at least one of associated with multiple virtual identifiers or applied to events associated with multiple virtual identifiers, or on information being at least one of unique to the virtual identifier or applied to events associated with the virtual identifier; map the score to an instruction to modify the virtual identifier and to a restriction to apply; generate a modified virtual identifier using a pseudo-random number generator or algorithm; link the modified virtual identifier to the permanent identifier and unlink the virtual identifier from the permanent identifier; transmit, to one or more devices using the virtual identifier, an indication of the modified virtual identifier; and apply the restriction to the modified virtual identifier.
2 . The system of claim 1 , wherein the one or more processors, to receive the data structure encoding the at least one event, are configured to: receive a request to authorize the at least one event, wherein the request comprises the data structure.
3 . The system of claim 2 , wherein the one or more processors are configured to: transmit a confirmation of the at least one event in response to the request.
4 . The system of claim 1 , wherein the one or more processors, to map the score to the instruction to modify the virtual identifier, are configured to: determine that the score satisfies a swapping threshold, wherein the swapping threshold is associated with the instruction to modify the virtual identifier.
5 . The system of claim 1 , wherein the one or more processors, to map the score to the restriction to apply, are configured to: determine the restriction using a table that stores a set of restrictions in association with a set of possible scores.
6 . The system of claim 1 , wherein the one or more processors, to link the modified virtual identifier to the permanent identifier, are configured to: transmit, to an account manager, an instruction to store the modified virtual identifier in association with the permanent identifier.
7 . A method of dynamically modifying a virtual identifier, comprising: receiving, at an identifier manager, an indication of the virtual identifier that is linked to a permanent identifier, the virtual identifier including a tokenized value generated using a pseudo-random number generator or algorithm, and the permanent identifier including a secret value; receiving, from a data storage, a data structure encoding at least one event associated with the virtual identifier; applying a machine learning model using the data structure in order to receive a score associated with the at least one event, wherein the machine learning model is trained on information being at least one of associated with multiple virtual identifiers or applied to events associated with multiple virtual identifiers, or on information being at least one of unique to the virtual identifier or applied to events associated with the virtual identifier; mapping, by the identifier manager, the score to an instruction to modify the virtual identifier; generating, by the identifier manager, a modified virtual identifier using a pseudo-random number generator or algorithm; linking, by the identifier manager, the modified virtual identifier to the permanent identifier and unlinking the virtual identifier from the permanent identifier; and transmitting, from the identifier manager and to one or more devices using the virtual identifier, an indication of the modified virtual identifier.
8 . The method of claim 7 , further comprising: transmitting, to the data storage, a request for events associated with the virtual identifier, wherein the data structure is received in response to the request.
9 . The method of claim 7 , wherein mapping the score to the instruction to modify the virtual identifier comprises: receiving the instruction from a table that stores a set of instructions in association with a set of possible scores.
10 . The method of claim 7 , wherein applying the machine learning model comprises: transmitting, to a machine learning host associated with the machine learning model, a request including the data structure, wherein the score is received from the machine learning host in response to the request.
11 . The method of claim 7 , wherein unlinking the virtual identifier from the permanent identifier comprises: transmitting, to an account manager, an instruction to disassociate the virtual identifier from the permanent identifier.
12 . The method of claim 7 , wherein the machine learning model is unique to the virtual identifier.
13 . The method of claim 7 , further comprising: identifying the one or more devices, using the virtual identifier, from a list of devices associated with the permanent identifier.
14 . The method of claim 7 , further comprising: receiving, from an account manager, an indication of the one or more devices using the virtual identifier.
15 . A non-transitory computer-readable medium storing a set of instructions for receiving a dynamic modification of a virtual identifier, the set of instructions comprising: one or more instructions that, when executed by one or more processors of a device, cause the device to: transmit a request to authorize an event associated with the virtual identifier, the request including a data structure encoding the event and including an encrypted indication of the virtual identifier, the virtual identifier including a tokenized value generated using a pseudo-random number generator or algorithm and linked to a permanent identifier comprising a secret value, wherein the event is recurring; receive, in response to the request, an indication that the virtual identifier is being modified; receive an indication of a modified virtual identifier generated using a pseudo-random number generator or algorithm and linked to the permanent identifier; store the modified virtual identifier and discard the virtual identifier; transmit a new request using the modified virtual identifier; and receive a confirmation of the new request using the modified virtual identifier.
16 . The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, when executed by the one or more processors, cause the device to: transmit, to a user device, instructions for a user interface indicating a portion of the permanent identifier associated with the virtual identifier and the modified virtual identifier.
17 . The non-transitory computer-readable medium of claim 15 , wherein the request includes an encrypted indication of the virtual identifier.
18 . The non-transitory computer-readable medium of claim 15 , wherein the new request includes an encrypted indication of the modified virtual identifier.
19 . The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to store the modified virtual identifier, cause the device to: store a token that includes an encrypted version of the modified virtual identifier.
20 . The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to discard the virtual identifier, cause the device to: discard a token that includes an encrypted version of the virtual identifier.

Description

BACKGROUND To improve security in a computerized system, virtual identifiers may be used in place of permanent identifiers. For example, a virtual card number (VCN) may be used in place of a payment account number (PAN). Tokenizing the PAN into the VCN improves security because the VCN may be replaced, if compromised, more easily than the PAN. SUMMARY Some implementations described herein relate to a system for dynamically modifying a virtual identifier. The system may include one or more memories and one or more processors communicatively coupled to the one or more memories. The one or more processors may be configured to receive an indication of the virtual identifier that is linked to a permanent identifier. The one or more processors may be configured to receive a data structure encoding at least one event associated with the virtual identifier. The one or more processors may be configured to provide the data structure to a machine learning model in order to a receive a score associated with the at least one event. The one or more processors may be configured to map the score to an instruction to modify the virtual identifier and to a restriction to apply. The one or more processors may be configured to link a modified virtual identifier to the permanent identifier and unlink the virtual identifier from the permanent identifier. The one or more processors may be configured to transmit, to one or more devices using the virtual identifier, an indication of the modified virtual identifier. The one or more processors may be configured to apply the restriction to the modified virtual identifier. Some implementations described herein relate to a method of dynamically modifying a virtual identifier. The method may include receiving, at an identifier manager, an indication of the virtual identifier that is linked to a permanent identifier. The method may include receiving, from a data storage, a data structure encoding at least one event associated with the virtual identifier. The method may include providing the data structure to a machine learning model in order to a receive a score associated with the at least one event. The method may include mapping, by the identifier manager, the score to an instruction to modify the virtual identifier. The method may include linking, by the identifier manager, a modified virtual identifier to the permanent identifier and unlinking the virtual identifier from the permanent identifier. The method may include transmitting, from the identifier manager and to one or more devices using the virtual identifier, an indication of the modified virtual identifier. Some implementations described herein relate to a non-transitory computer-readable medium that stores a set of instructions for receiving a dynamic modification of a virtual identifier. The set of instructions, when executed by one or more processors of a device, may cause the device to transmit a request to authorize an event associated with the virtual identifier, wherein the event is recurring. The set of instructions, when executed by one or more processors of the device, may cause the device to receive, in response to the request, an indication that the virtual identifier is being modified. The set of instructions, when executed by one or more processors of the device, may cause the device to receive an indication of a modified virtual identifier. The set of instructions, when executed by one or more processors of the device, may cause the device to store the modified virtual identifier and discard the virtual identifier. The set of instructions, when executed by one or more processors of the device, may cause the device to transmit a new request using the modified virtual identifier. The set of instructions, when executed by one or more processors of the device, may cause the device to receive a confirmation of the new request using the modified virtual identifier. BRIEF DESCRIPTION OF THE DRAWINGS FIGS. 1A-1E are diagrams of an example implementation relating to dynamic modification of virtual identifiers based on machine learning, in accordance with some embodiments of the present disclosure. FIGS. 2A-2B are diagrams illustrating an example of training and using a machine learning model in connection with systems and/or methods described herein, in accordance with some embodiments of the present disclosure. FIG. 3 is a diagram of an example environment in which systems and/or methods described herein may be implemented, in accordance with some embodiments of the present disclosure. FIG. 4 is a diagram of example components of one or more devices of FIG. 3, in accordance with some embodiments of the present disclosure. FIG. 5 is a flowchart of an example process relating to dynamic modification of virtual identifiers based on machine learning, in accordance with some embodiments of the present disclosure. FIG. 6 is a flowchart of an example process relating to receiving a dynamic modification of a virtual identifier