IP Library › Granted Patent US 12689628
Granted Patent B2
US 12689628 · App. 18/416,635 · Granted Jul 21, 2026

Dynamic virtual identifier generation for user interaction authorization verification and logging

Inventor: Yuval Refua (Sunnyvale, CA)
Assignee: Navan, Inc.
H04L63/102G06F21/31
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Quick Facts
Patent No.
US 12689628
App. No.
18/416,635
Granted
Jul 21, 2026
Kind
B2
Abstract

A networked system generates virtual identifiers for network entities to identify interactions of these entities with other entities in the network. These virtual identifiers are generated upon detecting trigger events. Upon the detection of an event that triggers the generation of a virtual identifier, the networked system seeks a virtual identifier from an account management system. This virtual identifier serves as a unique identifier associated with the user but that represents an account that the user is authorized to use. The system associates the virtual identifier with aspects of the triggering event, such as the user linked with the trigger event or the event itself. Consequently, when the system detects an interaction bearing the virtual identifier, the system can associate the interaction with the user who initiated the interaction.

Claims (48)

1 . A method comprising:

detecting, by an interaction authorization system, a trigger event representing an action taken by a user for which the user will incur expenses on a credit card to be reimbursed by a networked entity associated with the interaction authorization system;

responsive to detecting the trigger event, transmitting, by the interaction authorization system, a card token request to an account management system for the credit card based on the trigger event;

receiving, by the interaction authorization system, a card token from the account management system, wherein the card token comprises a string of characters for identifying the credit card of the networked entity;

associating, by the interaction authorization system, the card token with the trigger event in a database;

receiving, by the interaction authorization system, interaction information describing a transaction for which the credit card was used to authorize the transaction, wherein the interaction information includes the card token;

associating, by the interaction authorization system, the transaction with the trigger event based on the interaction information;

generating, by the interaction authorization system, an interaction log describing the transaction, wherein the interaction log associates the transaction with the trigger event; and

applying expense management rules to the transaction based on the association of the card token with the user in the database.

2 . The method of claim 1 , wherein detecting a trigger event comprises:

receiving a user interaction with a user interface of a client application of the expense management system.

3 . The method of claim 1 , wherein the trigger event is associated with a business trip.

4 . The method of claim 1 , wherein the card token request includes a plurality of parameters for the card token.

5 . The method of claim 4 , wherein the plurality of parameters includes at least one of: a time period during which the card token may be used, restrictions on a type of transaction for which the card token may be used, or restrictions on users who may use the card token.

6 . The method of claim 1 , further comprising:

detecting another trigger event associated with the user; and

associating the card token with the other trigger event.

7 . The method of claim 1 , further comprising:

detecting another trigger event associated with the user; and

transmitting another card token request to the card token system based on the other trigger event.

8 . The method of claim 1 , wherein associating the transaction with the trigger event comprises:

associating the card token with the user in the database.

9 . The method of claim 1 , further comprising:

generating a transaction report including the transaction, wherein the transaction report associates the transaction with the trigger event.

10 . A non-transitory computer-readable medium storing computer-executable instructions that, when executed, cause a computing system to perform operations comprising:

detecting, by an interaction authorization system, a trigger event representing an action taken by a user for which the user will incur expenses on a credit card to be reimbursed by a networked entity associated with the interaction authorization system;

responsive to detecting the trigger event, transmitting, by the interaction authorization system, a card token request to an account management system for the credit card based on the trigger event;

receiving, by the interaction authorization system, a card token from the account management system, wherein the card token comprises a string of characters for identifying the credit card of the networked entity;

associating, by the interaction authorization system, the card token with the trigger event in a database;

receiving, by the interaction authorization system, interaction information describing a transaction for which the credit card was used to authorize the transaction, wherein the interaction information includes the card token;

associating, by the interaction authorization system, the transaction with the trigger event based on the interaction information;

generating, by the interaction authorization system, an interaction log describing the transaction, wherein the interaction log associates the transaction with the trigger event; and

applying expense management rules to the transaction based on the association of the card token with the user in the database.

11 . The computer-readable medium of claim 10 , wherein detecting a trigger event comprises:

receiving a user interaction with a user interface of a client application of the expense management system.

12 . The computer-readable medium of claim 10 , wherein the trigger event is associated with a business trip.

13 . The computer-readable medium of claim 10 , wherein the card token request includes a plurality of parameters for the card token.

14 . The computer-readable medium of claim 13 , wherein the plurality of parameters includes at least one of: a time period during which the card token may be used, restrictions on a type of transaction for which the card token may be used, or restrictions on users who may use the card token.

15 . The computer-readable medium of claim 10 , the operations further comprising:

detecting another trigger event associated with the user; and

associating the card token with the other trigger event.

16 . The computer-readable medium of claim 10 , the operations further comprising:

detecting another trigger event associated with the user; and

transmitting another card token request to the card token system based on the other trigger event.

17 . The computer-readable medium of claim 10 , wherein associating the transaction with the trigger event comprises:

associating the card token with the user in the database.

18 . The computer-readable medium of claim 10 , the operations further comprising:

generating a transaction report including the transaction, wherein the transaction report associates the transaction with the trigger event.