Dynamically mapping payment card tokenization utilizing predicted transaction characteristics

A system comprising:

• one or more non-transitory computer readable media;
• and
• at least one processor configured to cause the system to:
• access information associated with a payment account comprising characteristics of a plurality of previous transactions associated with the payment account in response to a token remapping event for the payment account, the payment account corresponding to a plurality of separate sub-accounts including a debit sub-account and a credit sub-account, wherein a single physical or digital card is tied to the payment account corresponding to the plurality of separate sub-accounts;
• determine, utilizing a prediction model that is trained on payment account information and account details to predict transaction characteristics for future transactions, predicted transaction characteristics for a future transaction involving the single physical or digital card based on the information associated with the payment account, the predicted transaction characteristics comprising a predicted payment amount, a predicted transaction type, a predicted transaction location, a predicted transaction recipient, or a combination thereof;
• generate additional predicted transaction characteristics utilizing a validation model different than the prediction model;
• verify the predicted transaction characteristics generated by the prediction model by comparing the predicted transaction characteristics with the additional predicted transaction characteristics;
• determine whether a discrepancy between the predicted transaction characteristics and the additional predicted transaction characteristics from the validation model satisfies a threshold associated with halting a token remapping operation associated with the future transaction;
• generate, based on verifying the predicted transaction characteristics utilizing the validation model, a request comprising an application programming interface call to a payment network to cause the payment network to perform the token remapping operation asynchronously from processing a subsequent transaction to create a token mapping between a payment account number of the payment account and a token of a selected sub-account of the payment account according to the predicted transaction characteristics for the future transaction and a set of rules by changing a stored value representing the payment account to a processing pipeline for the selected sub-account;
• and
• processing the subsequent transaction initiated using the single physical or digital card of the payment account routed to a debit processing pipeline or a credit processing pipeline via the payment network based on the token mapping between the payment account and the selected sub-account, wherein the token remapping operation causes a first set of computing devices to process the subsequent transaction utilizing the debit processing pipeline or a second set of computing devices to process the subsequent transaction utilizing the credit processing pipeline in accordance with the token remapping operation performed asynchronously from processing the subsequent transaction.

A non-transitory computer readable medium comprising instructions that, when executed by at least one processor, cause the at least one processor to:

• access information associated with a payment account comprising characteristics of a plurality of previous transactions associated with the payment account in response to a token remapping event for the payment account, the payment account corresponding to a plurality of separate sub-accounts including a debit sub-account and a credit sub-account, wherein a single physical or digital card of the payment account is tied to the payment account corresponding to the plurality of separate sub-accounts;
• determine, utilizing a machine-learning model that is trained on payment account information and account details to predict transaction characteristics for future transactions, predicted transaction characteristics for a future transaction involving the single physical or digital card based on the information associated with the payment account, the predicted transaction characteristics comprising a predicted payment amount, a predicted transaction type, a predicted transaction location, a predicted transaction recipient, or a combination thereof;
• generate additional predicted transaction characteristics utilizing a validation model different than the machine-learning model;
• verify the predicted transaction characteristics generated by the machine-learning model by comparing the predicted transaction characteristics with the additional predicted transaction characteristics;
• determine whether a discrepancy between the predicted transaction characteristics and the additional predicted transaction characteristics from the validation model satisfies a threshold associated with halting a token remapping operation associated with the future transaction;
• generate, based on verifying the predicted transaction characteristics utilizing the validation model, a request comprising an application programming interface call to a payment network to cause the payment network to perform the token remapping operation asynchronously from processing a subsequent transaction to create a token mapping between a payment account number of the payment account and a token of a selected sub-account of the payment account according to the predicted transaction characteristics for the future transaction and a set of rules by changing a stored value representing the payment account to a processing pipeline for the selected sub-account;
• and
• processing the subsequent transaction initiated using the single physical or digital card of the payment account routed to a debit processing pipeline or a credit processing pipeline via the payment network based on the token mapping between the payment account and the selected sub-account, wherein the token remapping operation causes a first set of computing devices to process the subsequent transaction utilizing the debit processing pipeline or a second set of computing devices to process the subsequent transaction utilizing the credit processing pipeline in accordance with the token remapping operation performed asynchronously from processing the subsequent transaction.