System for performing a validity check of a user device

A method of performing a validity check of a user device having an application stored thereon, the method comprising:

• receiving, by a coupling device via near field communication, a determinate user device identifier from the user device;
• receiving, by the coupling device, via near field communication, application data from the user device, the application data comprising at least a primary account number (PAN) and an expiry date of the PAN associated with the application stored on the user device;
• generating, by the coupling device, a test token by concatenating and then hashing at least the user device identifier, the primary account number, and the expiry date;
• comparing, by the coupling device, the generated test token to a list of valid tokens received from an issuer computer;
• and
• determining, by the coupling device, that the test token is a valid token when the test token matches a token from the received list of valid tokens,
• wherein the method further comprises:
• determining the presence of the user device within coupling range of the coupling device and performing an anti-collision process in case of the presence of multiple user device within coupling range of the coupling device,
• wherein the user device identifier is received during the anti-collision process.

A computer program embodied in a non-transitory computer readable medium comprising a set of instructions that, when executed by a processor, cause the processor to perform steps including:

• receiving, via near field communication, a determinate user device identifier from a user device;
• after receiving the user device identifier, receiving, by a coupling device via near field communication, application data from the user device, the application data comprising at least a primary account number (PAN) and an expiry date of the PAN;
• generating a test token by concatenating and then hashing at least the user device identifier, the primary account number, and the expiry date;
• comparing the generated test token to a list of valid tokens received from an issuer computer;
• and
• determining that the test token is a valid token when the test token matches a token from the received list of valid tokens, wherein the steps further include:
• determining the presence of the user device within coupling range of the coupling device and performing an anti-collision process in case of the presence of multiple user device within coupling range of the coupling device,
• wherein the user device identifier is received during the anti-collision process.