Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes providing a merchant mobile application to a customer device; receiving, by the provider institution computing system via a payment network, a payment authorization request generated at the merchant application subsequent to a short range communication between a contactless card and the customer device; determining that the payment authorization request is an activation request; verifying the activation request based at least on a cryptogram of the first payment authorization request and a device identifier of the customer device received via the first payment authorization request; activating the contactless card and updating a customer database; and providing a confirmation response to the customer device, the confirmation response configured to be displayed on the customer device.

Abstract: Systems and methods for performing multi-stage contactless payment authorization are disclosed. A system can receive a first payment authorization request generated in response to a contactless communication between a contactless card and a user device. The system can also receive, from the user device, a second payment authorization request generated in response to receiving card information associated with the contactless card. The system can verify that the contactless card is present at a generation of the second payment authorization request based on a condition between the first and second payment authorization requests being met. The system can transmit an approval of the second payment authorization request to the user device in response to verifying that the contactless card is present.

Abstract: A method, apparatus, and system are disclosed. A method includes receiving, by a computing system, an application of a user for a product or service. The application can include user information associated with a user input via a user device. The method further includes: transmitting a message to a third party computing system based on a contactless communication between a contactless card and the user device; receiving, by the computing system from the third party computing system, an indication that at least a portion of the user information matches information stored by the third party computing system based on the message; and approving, by the computing system, the application for the product or service based at least in part on the indication.

Abstract: A method, apparatus, and system of using a contactless card are disclosed. For example, a method of verifying at least a portion of manually entered user information using a contactless card is disclosed. The method includes receiving an application including manually-entered user information via one or more user inputs into a customer device, providing a request to verify at least a portion of the user information to the customer device, the request configured to cause the customer device to prompt the user to tap a contactless card to the customer device, based on a contactless communication between the contactless card and the customer device, receiving, from a third party computing system, an indication of that the portion of the user information and information stored by the third party computing system match, and approving the application for the new product or service based on the indication of the match.