Systems and methods for using proxy number tokens with configurable relationship data bindings

1. A system comprising:

at least one memory unit storing instructions; and

at least one processor that executes the instructions to perform operation 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, and despite the proxy number token being configured with the first restriction to limit use of the proxy number token to transactions with the first 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.

2. The system of claim 1 , the operations further comprising:

in response to receiving, from a remote user device, a prior request of a user to complete a prior transaction with the first merchant, generating the proxy number token, and transmitting the proxy number token to the remote user device.

3. The system of claim 1 , wherein the relationship data binding comprises a mapping between the parameters related to the earlier transaction with the first merchant and a given transaction with the second merchant.

4. The system of claim 3 , wherein at least one of the one or more parameters is associated with a third merchant.

5. The system of claim 4 , wherein at least one of the one or more parameters is represented by a merchant category code (MCC).

6. The system of claim 1 , the operations further comprising:

configuring the proxy number token to be valid for authorization of an electronic transaction for only the first merchant.

7. The system of claim 6 , the operations further comprising:

generating the proxy number token based on at least two of:

a user identifier;

an account identifier;

a first merchant identifier;

a time;

a session identifier; or

a device identifier.

8. The system of claim 7 , the operations further comprising:

generating the proxy number token according to a hashing algorithm.

9. The system of claim 1 , the operations further comprising detecting the error-related association between the first and second merchants based on a cluster generated by the machine learning model.

10. The system of claim 9 , wherein the cluster comprises a cluster of previous transactions, the cluster of previous transactions being:

associated with the first and second merchants, and

initiated by a plurality of user devices.

11. The system of claim 1 , wherein:

completing the first transaction comprises transmitting a first electronic signal to a first remote device; and

completing the second transaction comprises transmitting a second electronic signal to a second remote device.

12. The system of claim 11 , wherein:

the first electronic signal comprises a first authorization to transfer funds from a third merchant to the first merchant; and

the second electronic signal comprises a second authorization to transfer funds from the third merchant to the second merchant.

13. A computer-implemented method 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;

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, based on the detection of the error-related association, 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;

receiving a request to use the proxy number token to complete a transaction with the second merchant; and

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.

14. The method of claim 13 , wherein detecting the error-related association comprises:

correlating a number of failed transactions with at least one transaction parameter of the one or more parameters that is related to the transaction; and

obtaining, via the machine learning model, based on the correlation, a set of parameters as model output data indicating the error-related association.

15. The method of claim 14 , further comprising:

configuring the proxy number token to allow use of the proxy number token to transactions having parameters matching the set of parameters obtained via the machine learning model.

16. The method of claim 13 , further comprising detecting the error-related association between the first and second merchants based on a cluster of previous transactions that are associated with the first or second merchant and initiated by a plurality of user devices.

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.

18. The media of claim 17 , wherein detecting the error-related association comprises:

correlating a number of failed transactions with at least one transaction parameter of the one or more parameters that is related to the transaction; and

obtaining, via the machine learning model, based on the correlation, a set of parameters as model output data indicating the error-related association.

19. The media of claim 18 , the operations further comprising:

configuring the proxy number token to allow use of the proxy number token to transactions having parameters matching the set of parameters obtained via the machine learning model.

20. The media of claim 17 , the operations further comprising detecting the error-related association between the first and second merchants based on a cluster of previous transactions that are associated with the first or second merchant and initiated by a plurality of user devices.