Capital One Services, LLC

Brian Glowniak

Kelly Jo Brown

Jonathan Blocksom

Jesse Emery

Calvin Sun

Victoria Yang

Edward Husa

Todd Safford

Swapna Mandala

Audrey Zhang

Nishant Garg

Kiran Kumar Vallabhaneni

Systems and methods for triggering a virtual certification number (VCN) generation for use at a source include receiving a VCN generation request from an external entity, the VCN generation request comprising an external request code, external risk signals, and one or more source data for the source, verifying a registration authentication of an account associated with the external request code by comparing the external request code to a database entry, identifying a certification mechanism reference identifier associated with the external request code based on verifying the registration authentication, generating a risk authentication based on a risk analysis conducted using the external risk signals and the external request code, identifying a source identifier based on the one or more source data, and generating the VCN based on the certification mechanism reference identifier and the source identifier.

Systems and methods for virtual certification

Systems and methods include registering use of a virtual certification number (VCN) at a secure entity by receiving, at an external gateway, a registration request comprising an external request code and a primary account number (PAN), wherein the external request code is unique to the secure entity, determining that the external request code is an unregistered external request code, receiving a tokenized PAN based on the PAN, receiving an account identifier by applying the tokenized PAN to a certification mechanism tool application programing interface (API), generating a certification mechanism reference identifier by encrypting a certification mechanism associated with the account identifier and the tokenized PAN, updating a database to associate the certification mechanism reference identifier with the external request code, and transmitting, via the external gateway, a registration authentication to an external entity, the registration authentication comprising the external request code.

Systems and methods for virtual certification number registration

Systems and methods include providing virtual certification number (VCN) authorizations to an external entity by receiving a plurality of secure entity global authorizations comprising global VCN authorizations and global primary account number (PAN) authorizations, identifying the global VCN authorizations, identifying a subset of the global VCN authorizations, each of the subset of the global VCN authorizations corresponding to an external entity authorization, comparing the subset of global VCN authorizations to previously provided VCN authorizations, to identify an unsent VCN authorization, storing a transmittable unsent VCN authorization based on the unsent VCN authorization, providing an unsent authorization indication to the external entity, receiving, from the external entity, a request for the unsent VCN authorization based on providing the unsent authorization indication to the external entity, and providing the transmittable unsent VCN authorization to the external entity, based on storing the transmittable unsent VCN authorization and verifying a consent flag.

Systems and methods for virtual certification number authorization transmission

Systems and methods for authorizing a source for virtual certification number (VCN) use include receiving a VCN use request from an external entity, the VCN use request including the VCN and transaction data associated with the VCN use request, determining that a VCN binding for the VCN is a strict binding, mapping the transaction data to a transaction source having a transaction source identifier based on the VCN binding being the strict binding, determining a VCN source identifier for the source associated with the VCN, based on a registration authentication of the VCN with the source, comparing the VCN source identifier to the transaction source identifier, determining that the VCN source identifier corresponds to the transaction source identifier based on comparing the VCN source identifier to the transaction source identifier, outputting an approved authorization indicating that the VCN is associated with the source and the source is the transaction source.

Systems and methods for virtual certification number source verification

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McLean, VA, United States of America

Brian Glowniak