IP Library Granted Patent US 12,592,927
Granted Patent B2
US 12,592,927 · App. 18/416,720 · Granted Mar 31, 2026

Dynamic virtual identifier generation for user interaction authorization verification and logging

Inventor: Yuval Refua (Sunnyvale, CA)
Assignee: Navan, Inc.
H04L63/102G06F21/31
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,592,927
App. No.
18/416,720
Granted
Mar 31, 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 (52)

1 . A method comprising:

detecting, by an interaction authorization system, a plurality of trigger events representing actions taken by a plurality of users, wherein each user is associated with a corporate credit card of a networked entity, and wherein detecting a trigger event of the plurality of trigger events comprises receiving, at the interaction authorization system, a request from the user to plan a travel event through the interaction authorization system;

for each of the plurality of trigger events:

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

receiving, by the interaction authorization system, a card token from the card network system, wherein the card token comprises a string of characters for identifying the corporate 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 an interaction for which the corporate credit card was used to authorize the interaction, wherein the interaction was an interaction between the user and a networked entity of the card network system, wherein the interaction information includes the card token, and wherein the interaction relates to the travel event of the trigger event;

associating, by the interaction authorization system, the interaction with the trigger event based on the card token in the interaction information; and

generating, by the interaction authorization system, an interaction log describing the interactions associated with the plurality of trigger events, wherein the interaction log associates each interaction with the corresponding trigger event.

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 interaction authorization system.

3 . The method of claim 1 , wherein the travel event comprises a booking of a flight.

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 interaction 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 network system based on the other trigger event.

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

associating the card token with the user in the database.

9 . The method of claim 1 , further comprising:

applying interaction rules to the interaction based on the association of the card token with the trigger event in the database.

10 . The method of claim 1 , further comprising:

generating an interaction report including the interaction, wherein the interaction report associates the interaction with the trigger event.

11 . 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 plurality of trigger events representing actions taken by a plurality of users, wherein each user is associated with a corporate credit card of a networked entity, and wherein detecting a trigger event of the plurality of trigger events comprises receiving, at the interaction authorization system, a request from the user to plan a travel event through the interaction authorization system;

for each of the plurality of trigger events:

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

receiving, by the interaction authorization system, a card token from the card network system, wherein the card token comprises a string of characters for identifying the corporate 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 an interaction for which the corporate credit card was used to authorize the interaction, wherein the interaction was an interaction between the user and a networked entity of the card network system, wherein the interaction information includes the card token, and wherein the interaction relates to the travel event of the trigger event;

associating, by the interaction authorization system, the interaction with the trigger event based on the card token in the interaction information; and

generating, by the interaction authorization system, an interaction log describing the interactions associated with the plurality of trigger events, wherein the interaction log associates each interaction with the corresponding trigger event.

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

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

13 . The non-transitory computer-readable medium of claim 11 , wherein the travel event comprises a booking of a flight.

14 . The non-transitory computer-readable medium of claim 11 , wherein the card token request includes a plurality of parameters for the card token.

15 . The non-transitory computer-readable medium of claim 14 , 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 interaction for which the card token may be used, or restrictions on users who may use the card token.

16 . The non-transitory computer-readable medium of claim 11 , further comprising:

detecting another trigger event associated with the user; and

associating the card token with the other trigger event.

17 . The non-transitory computer-readable medium of claim 11 , further comprising:

detecting another trigger event associated with the user; and

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

18 . The non-transitory computer-readable medium of claim 11 , wherein associating the card token with the trigger event comprises:

associating the card token with the user in the database.

19 . The non-transitory computer-readable medium of claim 11 , further comprising:

applying interaction rules to the interaction based on the association of the card token with the trigger event in the database.

20 . The non-transitory computer-readable medium of claim 11 , further comprising:

generating an interaction report including the interaction, wherein the interaction report associates the interaction with the trigger event.

Assignments (4)
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENTS RECORDED AT REEL/FRAME 070313/0123 Recorded Nov 3, 2025
From: VCP CAPITAL MARKETS, LLC
To: NAVAN, INC.
Reel/Frame 073511/0861 →
SECURITY INTEREST Recorded Mar 14, 2025
From: NAVAN, INC.
To: CITIBANK, N.A., AS AGENT
Reel/Frame 070519/0109 →
PATENT SECURITY AGREEMENT Recorded Feb 24, 2025
From: NAVAN, INC.
To: VCP CAPITAL MARKETS, LLC [AS ADMINISTRATIVE AGENT]
Reel/Frame 070313/0123 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 2, 2024
From: REFUA, YUVAL
To: NAVAN, INC.
Reel/Frame 066978/0131 →
Continuity (2)
Provisional Application 63480505 · Jan 18, 2023
Related Publication 20240244056A1 · Jul 18, 2024
References Cited (15)
US 10445739B1 · Sahni et al. · 2019 [cited by applicant]
US 12400196B1 · Roth et al. · 2025 [cited by applicant]
US 12423692B2 · Stark et al. · 2025 [cited by applicant]
US 20210004912A1 · Stark et al. · 2021 [cited by applicant]
US 20210295452A1 · Dutt · 2021 [cited by examiner]
US 20210326877A1 · Goodwin · 2021 [cited by examiner]
US 20220261759A1 · Fredericks · 2022 [cited by examiner]
US 20230169512A1 · Rendheer · 2023 [cited by applicant]
US 20240185333A1 · Ampomah et al. · 2024 [cited by applicant]
CN 102006583B · 2015 [cited by examiner]
CN 105681299A · 2016 [cited by examiner]
CN 119728638A · 2025 [cited by examiner]
WO WO2022079500A1 · 2020 [cited by applicant]
PCT International Search Report and Written Opinion, PCT Application No. PCT/US24/12033, Apr. 17, 2024, 13 pages. [cited by applicant]
United States Office Action, U.S. Appl. No. 18/416,635, filed Oct. 27, 2025, 8 pages. [cited by applicant]