Systems and methods for providing online and hybridcard interactions

A computing device comprising:

• a processing circuit;
• a wireless communication interface;
• and
• a memory having executable instructions stored thereon, which when executed by the processing circuit, cause the processing circuit to:
• enable the wireless communication interface to receive a counter and encrypted data from a contactless card associated with a user, the counter and encrypted data configured for use in a validation procedure;
• send the counter and encrypted data to an issuer server of the contactless card;
• receive a validation response from the issuer server, the validation response being based on the validation procedure performed on the counter and the encrypted data by the issuer server;
• and
• grant the user access to an account application based on the validation response.

A non-transitory computer-readable storage medium having executable instructions stored thereon, which when executed by a processing circuit of a computing device, causes the processing circuit to:

• prompt a user to tap a contactless card to the computing device;
• receive a counter and encrypted data from the contactless card during a tap, the counter and encrypted data configured for use in a validation procedure;
• send the counter and encrypted data to an issuer server of the contactless card;
• receive a validation response from the issuer server, the validation response being based on the validation procedure performed on the counter and the encrypted data by the issuer server;
• and
• grant the user access to an account application based on the validation response.