Systems and methods for authentication of access tokens

An authentication method, comprising:

• storing, on a contactless card having integrated memory and processor, a key, one or more identification credentials associated with a user, and an applet in communication with an application running on a device associated with the user;
• transmitting a cryptogram created by executing the applet, to the application running on the device associated with the user, wherein the cryptogram comprises the one or more identification credentials encrypted with the key;
• transmitting, by the application and in response to receiving the cryptogram, an access token to the applet executing on the contactless card, wherein the access token is generated upon validation of the one or more identification credentials decrypted using the key, the access token being encrypted by the application prior to transmission to the applet executing on the contactless card;
• decrypting, by the applet executing on the contactless card, the access token using the key;
• storing the decrypted access token on the contactless card, the access token being transmittable from the contactless card upon being queried by a second system, the second system being distinct from the contactless card and the device associated with the user;
• and
• transmitting, after entry of the communication interface into a communication field, the access token to a reader associated with the second system to thereby grant the user access to the second system.

A computer readable non-transitory medium comprising computer executable instructions that are executed on a processor and comprising the steps of:

• storing, on a contactless card having integrated memory and processor, a key, one or more identification credentials associated with a user, and an applet in communication with an application running on a device associated with the user;
• transmitting a cryptogram created by executing the applet, to the application running on the device associated with the user, wherein the cryptogram comprises the one or more identification credentials encrypted with the key;
• transmitting, by the application and in response to receiving the cryptogram, an access token to the applet executing on the contactless card, wherein the access token is generated upon validation of the one or more identification credentials decrypted using the key, the access token being encrypted by the application prior to transmission to the applet executing on the contactless card;
• decrypting, by the applet executing on the contactless card, the access token using the key;
• storing the decrypted access token on the contactless card, the access token being transmittable from the contactless card upon being queried by a second system, the second system being distinct from the contactless card and the device associated with the user;
• and
• transmitting, after entry of the communication interface into a communication field, the access token to a reader associated with the second system to thereby grant the user access to the second system.