Systems and methods for enhanced security to log in to a mobile application

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

• receive, via a short-range communication antenna of a mobile device, a cryptogram from a contactless card;
• verify the cryptogram to identify a customer account associated with the contactless card;
• verify that a phone number of the mobile device is associated with the customer account;
• receive, via a user interface device of the mobile device, enhanced security input data;
• verify that the enhanced security input data matches enhanced security record data associated with the customer account;
• and
• when the cryptogram, the phone number of the mobile device, and the enhanced security input data have been verified, log in to a mobile application running on the mobile device to access the customer account.

A mobile device comprising:

• a short-range communication antenna;
• a user interface device;
• a processor;
• and
• a memory storing instructions that, when executed by the processor, cause the processor to:
• receive, via the short-range communication antenna, a cryptogram from a contactless card;
• verify the cryptogram to identify a customer account associated with the contactless card;
• verify that a phone number of the mobile device is associated with the customer account;
• receive, via the user interface device, enhanced security input data;
• verify that the enhanced security input data matches enhanced security record data associated with the customer account;
• and
• when the cryptogram, the phone number of the mobile device, and the enhanced security input data have been verified, log in to a mobile application running on the mobile device to access the customer account.