Systems and methods for a transaction card having a cryptographic key

A method of accessing an account, the method comprising:

• receiving, by a transaction card processing circuit from a customer device associated with a customer:
• an identification of the customer device and an indication that the customer has successfully logged into the customer device;
• randomly generated seed information;
• and
• an encrypted cryptographic token generated by a contactless card using the randomly generated seed information via a contactless communication between the contactless card and the customer device;
• determining, by the transaction card processing circuit, whether the randomly generated seed information matches previously received seed information;
• decrypting, by the transaction card processing circuit, the encrypted cryptographic token using a decryption algorithm that includes the randomly generated seed information and the encrypted cryptographic token as inputs in response to determining that the randomly generated seed information does not match previously received seed information;
• identifying, by the transaction card processing circuit, the customer associated with the contactless card based on the decrypted cryptographic token;
• determining, by the transaction card processing circuit, that the identification of the customer device is associated with the identified customer;
• providing, by the transaction card processing circuit to the customer device, access to the account in response to identifying the customer, determining that the identification of the customer device is associated with the identified customer, and receiving the indication that the customer has successfully logged into the customer device;
• and
• transmitting, by the transaction card processing circuit to the customer device, an instruction causing a web browser of the customer device to be redirected to a website depicting information regarding the account.