Computer-based systems and device configured for temporary electronic account linking to disposable tags and methods thereof

Abstract

Systems and methods of the present disclosure processors and devices for providing disposable account cards using a contactless reader and contactless communication tag. A processor receives, via an antenna module from the contactless reader, radio signal data of a radio signal emitted by a contactless tag, where the radio signal data includes encoded tag data including a tag identifier. The processor determines that the contactless tag is a new contactless tag based on the tag identifier being unlinked to any account, and generates a disposable account card identifier in a user account including a unique disposable account number. The processor generates an account link that links the tag identifier to the disposable account card identifier such that the tag identifier refers to the unique disposable account number for performing contactless electronic requests to the user account in place of a user account card.

1 . A method comprising:
 receiving, by at least one processor of at least one computing device via an antenna module from a contactless reader of the at least one computing device, a contactless signal data of a contactless signal emitted by a contactless communication tag in response to an interrogation signal;
 wherein the contactless signal data is associated with a physical card; 
 wherein the contactless signal data comprises encoded tag data; 
 wherein the encoded tag data comprises a tag identifier of the contactless communication tag; 
   generating, by the at least one processor, a temporary account card data for a user account, the temporary account card data comprising a unique temporary account number;
 wherein the user account comprises a permanent account number different from the unique temporary account number; 
   generating, by the at least one processor, an account link that links the tag identifier to:
 the temporary account card data, and 
 the permanent account number associated with the user account; 
 wherein the account link comprises at least one restriction; 
 wherein the at least one restriction is configured to cause the at least one processor to prevent access to the user account via the unique temporary account number while at least one restricted condition is met; 
   writing, by the at least one processor using a return contactless radio signal, the unique temporary account number to the tag data of the contactless communication tag of the physical card;
 wherein the contactless communication tag is configured to return the unique temporary account number in response to at least one subsequent interrogation signal by at least one subsequent contactless reader; and 
 wherein the unique temporary account number is configured to enable the at least one subsequent contactless reader to execute at least one contactless user account activity using the user account via the unique temporary account number in place of the permanent account number. 
   
     
     
         2 . The method of  claim 1 , further comprising:
 determining, by the at least one processor, a user authentication for an application in communication with the contactless reader; and   generating, by the at least one processor, the user account data based at least in part on the user authentication.   
     
     
         3 . The method of  claim 2 , further comprising automatically generating, by the at least one processor, the account link upon determining the user authentication. 
     
     
         4 . The method of  claim 1 , further comprising:
 receiving, by the at least one processor, an authentication request associated with the user account to access the user account;   determining, by the at least one processor, an authentication of the user account linked to the tag identifier; and   causing to display, by the at least one processor, a temporary account card interface;   receiving, by the at least one processor, a delete request in response to a user selection of an user interface element; and   removing, by the at least one processor, the account link from the user account to prevent further contactless electronic requests using the contactless communication tag.   
     
     
         5 . The method of  claim 1 , wherein the user account card comprising a credit card and the user account comprises a credit account associated with the credit card. 
     
     
         6 . The method of  claim 1 , wherein the contactless communication tag comprises a near field communication (NFC) chip. 
     
     
         7 . The method of  claim 1 , wherein the contactless communication tag comprises a radio frequency identification (RFID) chip. 
     
     
         8 . The method of  claim 1 , wherein the contactless reader comprises a smartphone. 
     
     
         9 . The method of  claim 1 , further comprising:
 receiving, by the at least one processor, a second contactless radio signal carrying second tag data associated with a second contactless communication tag; and   generating, by the at least one processor, a second account link linking a second tag identifier of the second tag data to the user account associated with the user account identifier.   
     
     
         10 . The method of  claim 9 , further comprising automatically deleting, by the at least one processor, the account link in response to the generating of the second account link. 
     
     
         11 . A system comprising:
 at least one processor in communication with at least one non-transitory computer readable medium having software instructions stored thereon, wherein the at least one processor, upon execution of the software instructions, is configured to:
 receive, via an antenna module from a contactless reader of the at least one computing device, a contactless signal data of a contactless signal emitted by a contactless communication tag in response to an interrogation signal;
 wherein the contactless signal data is associated with a physical card; 
 wherein the contactless signal data comprises encoded tag data; 
 wherein the encoded tag data comprises a tag identifier of the contactless communication tag; 
 
 generate a temporary account card data for a user account, the temporary account card data comprising a unique temporary account number;
 wherein the user account comprises a permanent account number different from the unique temporary account number; 
 
 generate an account link that links the tag identifier to:
 the temporary account card data, and 
 the permanent account number associated with the user account; 
 wherein the account link comprises at least one restriction; 
 wherein the at least one restriction is configured to cause the at least one processor to prevent access to the user account via the unique temporary account number while at least one restricted condition is met; 
 
 write, using a return contactless radio signal, the unique temporary account number to the tag data of the contactless communication tag of the physical card;
 wherein the contactless communication tag is configured to return the unique temporary account number in response to at least one subsequent interrogation signal by at least one subsequent contactless reader; and 
 wherein the unique temporary account number is configured to enable the at least one subsequent contactless reader to execute at least one contactless user account activity using the user account via the unique temporary account number in place of the permanent account number. 
 
   
     
     
         12 . The system of  claim 11 , wherein the at least one processor, upon execution of the software instructions, is further configured to:
 determine a user authentication for an application in communication with the contactless reader; and   generate the user account data based at least in part on the user authentication.   
     
     
         13 . The system of  claim 12 , wherein the at least one processor, upon execution of the software instructions, is further configured to automatically generate the account link upon determining the user authentication. 
     
     
         14 . The system of  claim 11 , wherein the at least one processor, upon execution of the software instructions, is further configured to:
 receive an authentication request associated with the user account to access the user account;   determine an authentication of the user account linked to the tag identifier; and   causing to display, by the at least one processor, a temporary account card interface;   receive a delete request in response to a user selection of an user interface element; and   remove the account link from the user account to prevent further contactless electronic requests using the contactless communication tag.   
     
     
         15 . The system of  claim 11 , wherein the user account card comprising a credit card and the user account comprises a credit account associated with the credit card. 
     
     
         16 . The system of  claim 11 , wherein the contactless communication tag comprises a near field communication (NFC) chip. 
     
     
         17 . The system of  claim 11 , wherein the contactless communication tag comprises a radio frequency identification (RFID) chip. 
     
     
         18 . The system of  claim 11 , wherein the contactless reader comprises a smartphone. 
     
     
         19 . The system of  claim 11 , wherein the at least one processor, upon execution of the software instructions, is further configured to:
 receive a second contactless radio signal carrying second tag data associated with a second contactless communication tag; and   generate a second account link linking a second tag identifier of the second tag data to the user account associated with the user account identifier.   
     
     
         20 . The system of  claim 19 , wherein the at least one processor, upon execution of the software instructions, is further configured to automatically delete the account link in response to the generating of the second account link.