Systems and methods for secure reprovisioning

A method of secure reprovisioning of a payment instrument, comprising:

• creating a cryptogram based on a counter value, wherein the cryptogram includes the counter value and transmission data;
• transmitting, via a communication interface, the cryptogram;
• updating the counter value;
• receiving, via the communication interface, a first set of one or more encrypted keys and a first set of one or more parameters;
• decrypting the first set of one or more encrypted keys;
• and
• changing an association of the payment instrument from a first account to a second account.

A non-transitory computer-readable medium storing instructions that, when executed by a processor, cause the processor to perform operations for secure reprovisioning of a payment instrument, the operations comprising:

• creating a cryptogram based on a counter value, wherein the cryptogram includes the counter value and transmission data;
• transmitting, via a communication interface, the cryptogram;
• updating the counter value;
• receiving, via the communication interface, a command-application protocol data unit including one or more encrypted keys, one or more parameters, one or more applet identifiers, and one or more instructions associated with a class;
• decrypting the one or more encrypted keys in accordance with the one or more instructions;
• switching an association of the payment instrument from a first account to a second account;
• and
• transmitting a response-application protocol data unit indicating an execution status associated with the one or more instructions.