Patent ID: 11966921
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 16:
17. One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause operations comprising:
determining a proxy number token configured with (i) a first restriction to limit use of the proxy number token to transactions with a first merchant and (ii) a relationship data binding to which the first restriction is subject;
in response to detecting, via a machine learning model, an error-related 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, modifying the relationship data binding of the proxy number token such that the relationship data binding is modified to allow use of the proxy number token to a given transaction that is with the second merchant and satisfies parameters related to an earlier transaction with the first merchant; and
in response to receiving a request to use the proxy number token to complete a transaction with the second merchant, granting use of the proxy number token for the transaction with the second merchant based on (i) the modified relationship data binding of the proxy number token and (ii) the transaction satisfying one or more parameters that are indicated by the modified relationship data binding and are related to at least one earlier transaction with the first merchant.