An apparatus comprising: near field communication circuitry for receiving and transmitting data via near field communication; memory to store instructions; and one or more processors, coupled with the memory, operable to execute the instructions, that when executed, cause the one or more processors to: receive login information from a user for accessing a software application and grant the user access to the software application based on the login information; receive, via the software application, instruction or a selection from the user to generate a virtual card number from a user account; determine whether one or more restrictions are associated with the generation of the virtual card number, wherein the one or more restrictions are input, set, or specified by the user, and wherein the one or more restrictions include a merchant restriction, an amount restriction, a time period restriction, or a location restriction; authenticate the user by receiving one or more cryptograms from a first contactless card belonging to the user via NFC and decrypting the one or more cryptograms using a diversified key, the diversified key generated based on a master key and a counter value stored in the memory; apply, based on the authentication and the verification of the identity of the user being successful, the one or more restrictions to the virtual card number and generate the virtual card number; detect a second contactless card via the NFC circuitry; and write the virtual card number to the second contactless card as an NFC data exchange format (NDEF) tag between the apparatus and the second contactless card. near field communication circuitry for receiving and transmitting data via near field communication; memory to store instructions; and one or more processors, coupled with the memory, operable to execute the instructions, that when executed, cause the one or more processors to: receive login information from a user for accessing a software application and grant the user access to the software application based on the login information; receive, via the software application, instruction or a selection from the user to generate a virtual card number from a user account; determine whether one or more restrictions are associated with the generation of the virtual card number, wherein the one or more restrictions are input, set, or specified by the user, and wherein the one or more restrictions include a merchant restriction, an amount restriction, a time period restriction, or a location restriction; authenticate the user by receiving one or more cryptograms from a first contactless card belonging to the user via NFC and decrypting the one or more cryptograms using a diversified key, the diversified key generated based on a master key and a counter value stored in the memory; apply, based on the authentication and the verification of the identity of the user being successful, the one or more restrictions to the virtual card number and generate the virtual card number; detect a second contactless card via the NFC circuitry; and write the virtual card number to the second contactless card as an NFC data exchange format (NDEF) tag between the apparatus and the second contactless card. receive login information from a user for accessing a software application and grant the user access to the software application based on the login information; receive, via the software application, instruction or a selection from the user to generate a virtual card number from a user account; determine whether one or more restrictions are associated with the generation of the virtual card number, wherein the one or more restrictions are input, set, or specified by the user, and wherein the one or more restrictions include a merchant restriction, an amount restriction, a time period restriction, or a location restriction; authenticate the user by receiving one or more cryptograms from a first contactless card belonging to the user via NFC and decrypting the one or more cryptograms using a diversified key, the diversified key generated based on a master key and a counter value stored in the memory; apply, based on the authentication and the verification of the identity of the user being successful, the one or more restrictions to the virtual card number and generate the virtual card number; detect a second contactless card via the NFC circuitry; and write the virtual card number to the second contactless card as an NFC data exchange format (NDEF) tag between the apparatus and the second contactless card.