Systems and methods for user authorization and access to services using contactless cards

A system, comprising:

• a contactless card having a processor and memory, the memory of the contactless card containing encrypted transmission data;
• and
• an application comprising instructions for execution on a receiving device having a processor and memory, the memory of the receiving device containing an application key,
• wherein the application is configured to:
• receive, from the contactless card, the encrypted transmission data,
• decrypt the encrypted transmission data using a cryptographic algorithm and the application key,
• record information comprising at least one selected from the group of time of authentication, location of authentication, type of contactless card, and type of receiving device, and
• access sensitive information.

A non-transitory computer-readable medium containing instructions for execution by a processor of a receiving device, wherein, upon execution by the processor, the instructions configure the processor to perform procedures comprising:

• receiving, from a contactless card, encrypted transmission data;
• decrypting the encrypted transmission data using a cryptographic algorithm and an application key;
• recording information comprising at least one selected from the group of time of authentication, location of authentication, type of contactless card, and type of receiving device;
• and
• accessing sensitive information.