US Patent 11138593 Systems and methods for contactless smart card authentication

A method of activating a smart card includes issuing a smart card in a deactivated state such that the smart card is incapable of performing a transaction; receiving an authentication token from a mobile device via a wireless communication of the authentication token from the smart card in the deactivated state to the mobile device; extracting data from the authentication token; confirming the extracted data corresponds to stored data regarding a customer who was issued smart card; and in response to confirming the extracted data, enabling the smart card for a subsequent transaction.