Dynamically mapping payment card tokenization utilizing predicted transaction characteristics

Abstract

This disclosure describes methods, non-transitory computer readable storage media, and systems that dynamically map tokens according to predicted characteristics of the transaction. Specifically, the disclosed system accesses information associated with a payment account including characteristics of previous transactions associated with the payment account, which corresponds to a plurality of separate sub-accounts (e.g., a debit account and a credit account). The disclosed system determines predicted transaction characteristics for the next future transaction based on the information associated with the payment account. Furthermore, the disclosed system generates a request to a payment network to re-map a token associated with the payment account in connection with a selected sub-account according to the predicted transaction characteristics and a set of rules. The disclosed system also processes a subsequent transaction routed based on the re-mapped token in connection with the selected sub-account.