Systems and methods for contactless card activation

Abstract

A mobile device includes a wireless chip, a display, a processor, and a memory storing instructions that, when executed by the processor, cause the processor to perform operations. The operations include: based on a first short-range wireless communication, receiving a customer-specific uniform resource locator (URL) from the contactless card via a wireless chip; automatically navigating to a website associated with the customer-specific URL; receiving authentication information and automatically populating one or more fields on a graphical user interface (GUI); displaying, by the display, an indication of activation of the contactless card; receiving and accepting a prompt to register the mobile device with the activated contactless card; and based on at least a second short range wireless communication between the registered mobile device and the contactless card, providing a second GUI including an online login portal for accessing an account that is associated with the contactless card.

What is claimed is: 
     
         1 . A mobile device comprising:
 a wireless chip structured to allow short-range wireless communications;   a display;   a processor; and   a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising:
 based on a first short-range wireless communication between the mobile device and a contactless card, receiving a customer-specific uniform resource locator (URL) from the contactless card via the wireless chip; 
 in response to receiving the customer-specific URL, automatically navigating to a website associated with the customer-specific URL; 
 receiving authentication information and automatically populating one or more fields on a graphical user interface (GUI) of the display with the received authentication information; 
 transmitting the received authentication information to a separate computing system; 
 based on a verification of the authentication information, displaying, by the display, an indication of activation of the contactless card; 
 receiving and accepting a prompt to register the mobile device with the activated contactless card; and 
 based on at least a second short range wireless communication between the registered mobile device and the contactless card, providing a second GUI via the display, the second GUI including an online login portal for accessing an account that is associated with the contactless card. 
   
     
     
         2 . The mobile device of  claim 1 , the memory storing instructions that, when executed by the processor, further cause the processor to perform operations comprising:
 encrypting the received authentication information before transmitting the received authentication information to the separate computing system.   
     
     
         3 . The mobile device of  claim 1 , wherein the authentication information is one of a personal identification number (PIN) or biometric information. 
     
     
         4 . The mobile device of  claim 1 , wherein the customer-specific URL includes a unique value specific to a client that is appended to a general URL. 
     
     
         5 . The mobile device of  claim 4 , wherein navigating to the website associated with the customer-specific URL causes transmission of the unique value specific to the client to the separate computing system. 
     
     
         6 . The mobile device of  claim 1 , wherein at least one of the first or second short-range wireless communications is near-field communication (NFC). 
     
     
         7 . The mobile device of  claim 6 , wherein the mobile device provides power to the contactless card to enable the NFC transmission of the customer-specific URL from the contactless card to the mobile device. 
     
     
         8 . A system comprising:
 a processor; and   a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising:
 generating a customer-specific uniform resource locator (URL) for a contactless card that is embedded on the contactless card; 
 storing, in a database, information regarding the customer, the information including data specific to the customer; 
 based on a first short range contactless communication between a mobile device of the customer and the contactless card, receiving the data specific to the customer; 
 accessing, from the database, the information regarding the customer based on cross-referencing the data specific to the customer with information stored in the database; 
 providing a graphical user interface (GUI) to the mobile device, the GUI including a prompt for authentication information; 
 receiving authentication information from the mobile device; 
 verifying the authentication information; 
 in response to verifying the authentication information, activating the contactless card for a subsequent use; 
 in response to activating the contactless card, receiving an indication from the mobile device to register the mobile device with the activated contactless card by storing identifying information regarding the mobile device in the database; and 
 based on at least a second short range contactless communication between the registered mobile device and the contactless card, providing a second GUI to the registered mobile device, the second GUI including an online login portal for accessing an account that is associated with the contactless card. 
   
     
     
         9 . The system of  claim 8 , the memory storing instructions that, when executed by the processor, further cause the processor to perform operations comprising:
 in response to activating the contactless card, providing a confirmation of activation of the contactless card for display on the mobile device.   
     
     
         10 . The system of  claim 8 , the memory storing instructions that, when executed by the processor, further cause the processor to perform operations comprising:
 in response to activating the contactless card, deactivating the customer-specific URL.   
     
     
         11 . The system of  claim 8 , wherein the identifying information regarding the mobile device is used to automatically grant access to the account associated with the contactless card. 
     
     
         12 . The system of  claim 8 , wherein the data specific to the customer excludes payment account information. 
     
     
         13 . The system of  claim 8 , wherein the authentication information is one of a personal identification number (PIN) or biometric information. 
     
     
         14 . The system of  claim 8 , wherein at least one of the first or second short range wireless communications is a near-field communication tap. 
     
     
         15 . The system of  claim 14 , wherein the data specific to the customer is one of a unique numeric or a unique alphanumeric value. 
     
     
         16 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors cause operations comprising:
 generating a customer-specific uniform resource locator (URL) for a contactless card;   storing, in a database, information regarding the customer, the information including data specific to the customer;   based on a short range contactless communication between a mobile device of the customer and the contactless card, receiving the data specific to the customer;   accessing, from the database, the information regarding the customer based on cross-referencing the data specific to the customer with information stored in the database;   providing a graphical user interface (GUI) to the mobile device, the GUI including a prompt for authentication information;   receiving authentication information from the mobile device;   verifying the authentication information;   in response to verifying the authentication information, activating the contactless card for a subsequent transaction;   in response to activating the contactless card, receiving an indication from the mobile device to register the mobile device with the activated contactless card by storing identifying information regarding the mobile device in the database; and   based on at least a second short range contactless communication between the registered mobile device and the contactless card, providing a second GUI to the registered mobile device, the second GUI including an online login portal for accessing an account that is associated with the contactless card.   
     
     
         17 . The non-transitory computer-readable medium of  claim 16 , wherein the data specific to the customer includes information indicative of an identity of the customer. 
     
     
         18 . The non-transitory computer-readable medium of  claim 16 , wherein the data specific to the customer is one of a numeric or an alphanumeric unique value. 
     
     
         19 . The non-transitory computer-readable medium of  claim 16 , further comprising instructions, that when executed by the one or more processors cause operations comprising:
 providing a notification to the mobile device that the contactless card has been activated.   
     
     
         20 . The non-transitory computer-readable medium of  claim 16 , wherein verifying the authentication information is based on the received authentication information matching information associated with the customer stored in the database.