Systems and methods for provisioning transaction cards to multiple merchants

A computer-implemented method, comprising:

• establishing, at a financial institution server, a secure network connection between the financial institution server and a user device;
• receiving, at the financial institution server from the user device, a first payment card number request from a first merchant of a plurality of merchants to associate user financial institution account information with a first merchant account;
• sending a contactless payment card step-up authentication request to the user device, wherein the contactless payment card step-up authentication request is a request for a contactless payment card associated with the user financial institution account information to be brought within a near field communication (NFC) range of the user device;
• receiving, from the user mobile device, encrypted authentication information maintained on the contactless payment card in response to the contactless payment card step-up request, the encrypted authentication information received after the contactless payment card is brought within NFC range of the user device;
• authenticating the encrypted authentication information received from the user device;
• and
• based on the authenticating being successful, granting a first token to the first merchant, wherein the first token identifies a communication session with the first merchant and enables a continued exchange of data with the first merchant.

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

• establish a secure network connection between the processor and a user device;
• receive, from the user device via the secure network connection, a plurality of payment card number requests, wherein a respective payment card number request is received for each merchant website of a plurality of merchant websites;
• send a contactless payment card step-up authentication request to the user device, wherein the contactless payment card step-up authentication request is a request for a contactless payment card associated with a user financial institution account to be brought within a near field communication (NFC) range of the user device;
• receive, from the user device, encrypted authentication information obtained from the contactless payment card in response to the contactless payment card step-up request, the encrypted authentication information received after the contactless payment card is brought within NFC range of the user device;
• authenticate the encrypted authentication information received from the user device;
• based on the authenticating being successful, grant respective tokens to each respective merchant of the plurality of merchants, wherein each respective token of the granted respective tokens identifies a respective communication session established with each respective merchant and enables a continued exchange of data with each respective merchant;
• and
• using each respective token to identify the respective communication session established with each respective merchant, provide account information as needed to each respective merchant to associate a respective merchant account with a user of the contactless payment card.