Membership account management using a contactless card

A method, comprising, via at least one server of at least one back-end processing system:

• receiving, via a client device, a membership cryptogram generated by a contactless card in communication with the client device during a transaction, the contactless card associated with at least one entity having a plurality of members and the membership cryptogram including membership information associated with the entity;
• decrypting the membership cryptogram based on at least one key for the contactless card to determine a decryption result;
• authenticating the membership cryptogram based on the decryption result;
• and
• responsive to authentication of the membership cryptogram:
• determining a membership identifier for the transaction;
• determining an entity identifier stored on the contactless card;
• routing the membership identifier to an entity back-end system identified by the entity identifier;
• receiving, from the entity back-end system, membership benefit information associated with the membership identifier;
• and
• transmitting membership benefit information to the client device to facilitate at least one membership function associated with the member for the transaction.

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

• receive, via a client device, a membership cryptogram generated by a contactless card in communication with the client device during a transaction, the contactless card associated with at least one partner entity having a plurality of members and the membership cryptogram including membership information associated with the entity;
• decrypt the membership cryptogram based on at least one key for the contactless card to determine a decryption result;
• authenticate the membership cryptogram based on the decryption result;
• and responsive to authentication of the membership cryptogram:
• determine a membership identifier for the transaction;
• determine an entity identifier stored on the contactless card;
• route the membership identifier to an entity back-end system identified by the entity identifier;
• receive, from the entity back-end system, membership benefit information associated with the membership identifier;
• and
• transmit membership benefit information to the client device to facilitate at least one membership function associated with the member for the transaction.