Systems and methods for authenticated peer-to-peer data transfer using resource locators

Abstract

An authenticated data transfer system may include generating, after entry of one or more processors of a transmitting device into a communication field, a link, the link comprising a near field communication data exchange format uniform resource locator including identifier data and user data; transmitting, to a first application comprising instructions for execution on a first device, the link to initiate data transfer; authenticating a user associated with the first device by activating one or more actions based on the link; transmitting one or more requests for confirmation of quantity and recipient data associated with the data transfer; receiving one or more notifications that are based on the one or more requests for confirmation of quantity and recipient data associated with the data transfer; and performing one or more login credentials that are responsive to the one or more notifications so as to complete the data transfer.

1 - 20 . (canceled) 
     
     
         21 . A secure peer-to-peer data transfer system comprising:
 a contactless card associated with a cardholder, comprising a processor and a memory, wherein the processor is configured to:
 dynamically generate a unique near field communication data exchange format uniform resource locator (NDEF URL) after the contactless card enters a communication field associated with a communication device of a recipient user distinct from the cardholder, the URL being operative to launch a website on the communication device, the website being operative to initiate a secure peer-to-peer data transfer involving the recipient user and the cardholder, wherein the URL comprises:
 a first set of information comprising one or more abstracted identification information uniquely identifying the contactless card and a specific peer-to peer data transfer session, 
 a second set of information including information associated with the cardholder loaded on to the contactless card at the time of personalization of the card, and 
 one or more data fields for specifying one or more transfer parameters, the transfer parameters comprising a peer-to-peer data transfer directionality.