The combination of virtual payment cards (tokens) and 3D Secure to transparently transport information to an issuing authority between mutually independent transactions. Furthermore, the virtual payment card standard digital information is transformed by embedding the mandated URL/SESSION ID without the need for the card schemes, acquirers, or payment gateways to make any modifications to their system or message formats.

Systems and methods for deriving a card verification code (CVC) of a payment card are provided. An exemplary method includes, receiving, by a server, a request of issuing a payment card to a user, determining, by the server, a personal account number (PAN) and an expiry date of the payment card, and receiving, by the server, a social security number (SSN) and a zip code associated with the user. The exemplary method further includes generating, by the server, a dynamic service code based on the SSN and the zip code, generating, by the server, a bitmap based on the PAN, the expiry date, and the dynamic service code, and receiving, by the server, an encryption key. The exemplary method further includes generating, by the server, a CVC of the payment card based on the bitmap and the encryption key.

The present embodiments include a system and method for securely completing a checkout process associated with a consumer transaction. The system can include a card and a software application. The software can authenticate the user with card information, then retrieve checkout data associated with the user. The application can complete the checkout process automatically rather than be manually completed by the user.

A device may receive a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.

Disclosed are methods and systems for payment card transactions, where a Card Verification Value (CVV) or Card Verification Code (CVC) is generated dynamically as part of a tokenized session.

A method and system for authorizing a secure transaction using a portable device are disclosed. The method includes an authorization process performed in real-time that includes two phases: an authentication phase and a transaction processing phase. In the authentication phase, a resource provider system may receive a cryptogram from a portable device and verify the cryptogram. Upon the resource provider system obtaining an authentication response indicator, the transaction processing phase may include the resource provider system generating and transmitting an authorization request message to a processing computer. The resource provider system may then receive an authorization response message from the processing computer including an authorization response indicator, which completes the authorization process.

A method is disclosed. The method can be performed by at least a mobile device comprising a processor, and memory and display coupled to the processor, the memory storing an application comprising an SDK. The method comprises transmitting, by the SDK, an access credential identifier associated with a main credential to a processing computer. The processing computer then initiates an authentication process with respect to a user of the main credential. The processing computer then receives the main credential and additional data associated with the main credential. The method then includes the SDK receives the main credential and additional data from the processing computer. After the SDK receives the data, the main credential and the additional data are displayed on a display of the mobile device via the SDK.

A system and method for providing card verification values for card-not-present transactions is described. In one example, a user's computing device stores single-use CVVs to be provided from a secure wallet. The secure wallet may be software running on the user's computing device. Alternatively, it may be an external device connectable to the user's computing device, which accesses the external device to obtain the single-use CVV.

Embodiments of systems and methods as disclosed herein may determine that an initiator of a communication on a distributed computer network is an automated script or the like. More particularly, in one embodiment, a web page including a hidden field may be generated in response to a request for the web page. This hidden field is a field included in the web page that is not visible to a human user when the web page is rendered by a browser and presented to the user. By comparing a received value for such a hidden field with an associated value for the hidden field as provided in the web page, the use of an automated script may be detected.

A method is disclosed. The method includes generating, by a communication device during an interaction with an access device, a cryptogram using transaction level data and interoperability level data; transmitting the transaction level data and interoperability level data to the access device; and transmitting the cryptogram the access device, wherein the access device or a remote server computer in communication with the access device validates the received cryptogram before allowing the transaction to proceed.