Systems and methods for data exchange using payment cards with universal reference numbers

A financial institution computing system, the system comprising:

• a financial institution database retrievably storing a plurality of reference numbers and customer information associated with each of the plurality of reference numbers, wherein the plurality of reference numbers include (i) a first reference number of a physical payment card associated with a first level of security, and (ii) a second reference number of the physical payment card associated with a second level of security, the first reference number stored in association with a first respective set of data relating to the customer device and the second reference number stored in association with a respective second set of data relating to the customer device, wherein the first reference number is stored with first known authentication data, and the second reference number is stored with second known authentication data;
• a financial institution network interface circuit configured to enable the financial institution computing system to exchange data over a network;
• and
• a data exchange circuit, the data exchange circuit configured to:
• receive, via the network, responsive to a merchant computing device:
• (i) accessing a chip of a physical payment card via a first channel using a contactless card reader of the merchant computing device,
• (ii) presenting a request for a personal identifier via a display of the merchant computing device, and
• (iii) receiving the personal identifier via a keyboard of the merchant computing device,
• a first information request comprising the first reference number from the merchant computing device, the first information request including first authentication data;
• verify the first authentication data with the first known authentication data stored in association with the first reference number in the financial institution database;
• retrieve the first respective set of data associated with the first reference number from the financial institution database, the first respective set of data including customer device preferences;
• receive, via the network, responsive to the merchant computing device:
• (i) accessing the chip of the physical payment card via a second channel using the contactless card reader of the merchant computing device,
• (ii) presenting a request for user biometric information via a display of the merchant computing device, and
• (iii) receiving the user biometric information via a biometric scanner of the merchant computing device,
• a second information request comprising the second reference number from the merchant computing device, the second information request including second authentication data;
• verify the second authentication data with the second known authentication data stored in association with the second reference number in the financial database;
• retrieve the second respective set of data associated with the second reference number from the financial institution database;
• and
• transmit the first respective set of data and the second respective set of data to the merchant computing device, to cause the merchant computing device to present a user interface relating to a transaction at the merchant computing device based on the first respective set of data and the second respective set of data.

A method, comprising:

• associating, by a data exchange circuit, first respective data comprising customer device preferences with a first reference number of a physical payment card and with first known authentication data for the first reference number;
• associating, by the data exchange circuit, second respective data different from the first respective data with a second reference number of the physical payment card and with second known authentication data for the second reference number, and storing the association of the second respective data with the second reference number and the second known authentication data for the second reference number in the financial institution database;
• receiving, by the data exchange circuit, via the network, responsive to a merchant computing device:
• (i) accessing a chip of a physical payment card via a first channel using a contactless card reader of the merchant computing device,
• (ii) presenting a request for a personal identifier via a display of the merchant computing device, and
• (iii) receiving the personal identifier via a keyboard of the merchant computing device,
• a first information request comprising the first reference number from the merchant computing device, the first information request including first authentication data including the personal identifier;
• authenticating, by the data exchange circuit, the personal identifier received in the authentication data with the first known authentication data stored in association with the first reference number in the financial institution database;
• retrieving, by the data exchange circuit, the first respective set of data associated with the first reference number, the first respective set of data including the customer device preferences;
• receiving, by the data exchange circuit, via the network, responsive to the merchant computing device:
• (i) accessing the chip of the physical payment card via a second channel using the contactless card reader of the merchant computing device,
• (ii) presenting a request for user biometric information via a display of the merchant computing device, and
• (iii) receiving the user biometric information via a biometric scanner of the merchant computing device,
• a second information request comprising the second reference number from the merchant computing device, the second information request including second authentication data including the user biometric information;
• authenticating, by the data exchange circuit, the user biometric information received in the second authentication data with the second known authentication data stored in association with the second reference number in the financial database;
• retrieving, by the data exchange circuit, the second respective set of data associated with the second reference number from the financial institution database;
• and
• transmitting, by the data exchange circuit, the first respective set of data and the second set of data to the merchant computing device, to cause the merchant computing device to present a user interface relating to a transaction at the merchant computing device based on the first respective set of data and the second respective set of data.