Authentication for third party digital wallet provisioning

A computer-implemented method, comprising:

• providing, by a computing device, access to a first-party banking application in response to authentication of user login information;
• presenting, by the first-party banking application in a first-display graphical user interface (GUI) on a display device, an indication to add or link a payment card associated with a user and the account to a third-party wallet application;
• receiving, by the first-party banking application, a selection of the indication;
• presenting, by the first-party banking application in the first-display GUI on the display device, a one-tap authentication option for the user to tap a contactless card on or near the apparatus, and wherein the contactless card is the payment card to add or link to the third-party wallet application;
• establishing a first wireless communication with the contactless card;
• receiving a message comprising a message authentication code (MAC) cryptogram and a random number via the first wireless communication from the contactless card, wherein the contactless card generates the message by encrypting the MAC cryptogram and the random number with a session key, wherein the MAC cryptogram comprises a unique identifier associated with the contactless card;
• sending, by the first-party banking application, at least a portion of the message to one or more remote computing devices associated with the financial entity;
• receiving, by the first-party banking application, a second indication from the one or more remote computing devices of a successful authentication based on the portion of the message;
• and
• initiating, by the first-party banking application, a transition to the third-party wallet application, the transition to include sending information for the payment card to the third-party wallet application to add or link to the third-party wallet application, the transition to further include causing the third-party wallet application to display at least confirmation that the payment card has been successfully added or linked to the third-party wallet application in a second-display GUI on the display device.

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to:

• provide access to a first-party banking application in response to authentication of user login information;
• present, by the first-party banking application in a first-display graphical user interface (GUI) on the display device, an indication to add or link a payment card associated with a user and the account to a third-party wallet application;
• receive, by the first-party banking application, a selection of the indication;
• present, by the first-party banking application in the first-display GUI on the display device, a one-tap authentication option for the user to tap a contactless card on or near the apparatus, and wherein the contactless card is the payment card to add or link to the third-party wallet application;
• establish a first wireless communication with the contactless card;
• receive a message comprising a message authentication code (MAC) cryptogram and a random number via the first wireless communication from the contactless card, wherein the contactless card generates the message by encrypting the MAC cryptogram and the random number with a session key, wherein the MAC cryptogram comprises a unique identifier associated with the contactless card;
• send, by the first-party banking application, at least a portion of the message to one or more remote computing devices associated with a first-party entity;
• receive, by the first-party banking application, a second indication from the one or more remote computing devices of a successful authentication based on the portion of the message;
• and
• initiate, by the first-party banking application, a transition to the third-party wallet application, the transition to include sending information for the payment card to the third-party wallet application to add or link to the third-party wallet application, the transition to further include causing the third-party wallet application to display at least confirmation that the payment card has been successfully added or linked to the third-party wallet application in a second-display GUI on the display device.