Systems and methods for contactless card activation via unique activation codes

A method, comprising:

• receiving a card application;
• transmitting, in response to approving the card application, a request to create a card to a third party computing system;
• receiving, by a computing system and based on the request, an encryption key for a card from the third party computing system;
• generating, by the computing system, an activation code for the card, the activation code being unique to the card and including (i) an account number associated with the card appended to a set of randomly generated alphanumeric values and (ii) an alphanumeric string generated based on obfuscated information associated with a customer;
• receiving, by the computing system and via a browser navigation to a customer-specific uniform resource locator (URL), subsequent to a short-range communication between the card and a user device, the activation code and an encrypted cryptographic key, wherein he customer-specific URL contains the activation code, and wherein the short-range communication conveys the customer-specific URL from the card to the user device;
• decrypting, via a decryption algorithm associated with the encrypted cryptographic key and by the computing system, the encrypted cryptographic key to determine an identifier of the customer associated with the card, wherein the identifier of the customer is determined based on an association with the encryption key;
• authenticating, by the computing system, the customer based on an association between the activation code and the identifier of the customer associated with the card;
• authenticating, by the computing system, the user device based on an association between the identifier of the customer associated with the card and a device identifier;
• and
• subsequent to the authentications, storing, by the computing system, the activation code.

A non-transitory computer-readable medium storing instructions thereon that, when executed by at least one processor of a computing system, causes the computing system to perform operations comprising:

• receiving a card application;
• transmitting, in response to approving the card application, a request to create a card to a third party computing system;
• receiving, based on the request, an encryption key for a card from the third party computing system;
• generating an activation code for the card, the activation code being unique to the card and including (i) an account number associated with the card appended to a set of randomly generated alphanumeric values and (ii) an alphanumeric string generated based on obfuscated information associated with a customer;
• receiving, via the browser navigation to a customer-specific uniform resource locator (URL), subsequent to a short-range communication between the card and a user device, the activation code and an encrypted cryptographic key, wherein the customer-specific URL contains the activation code, and wherein the short-range communication conveys the customer-specific URL from the card to the user device;
• decrypting, via a decryption algorithm associated with the encrypted cryptographic key, the encrypted cryptographic key to determine an identifier of the customer associated with the card, wherein the identifier of the customer is determined based on an association with the encryption key;
• authenticating the customer based on an association between the activation code and the identifier of the customer associated with the card;
• authenticating the user device based on an association between the identifier of the customer associated with the card and a device identifier;
• and
• subsequent to the authentications, storing the activation code.