Integration of verification tokens with mobile communication devices

A computer comprising;

• a processor;
• and
• a non-transitory computer readable medium comprising code executable by the processor, including instructions to cause the processor to perform operations comprising:
• receiving, from a user device via near field communications, a cryptogram, the cryptogram associated with a primary account number;
• transmitting to a server computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information associated with the primary account number, the request including the cryptogram, wherein the server computer receives the cryptogram and then obtains and sends the dynamic account information to the computer;
• receiving, from the server computer over the communications network comprising the Internet or the cellular phone network, the dynamic account information;
• and
• conducting, with a merchant computer, a payment transaction using the dynamic account information,
• wherein the user device is in the form of a card.

A method comprising:

• receiving, by a server computer, a cryptogram from a computer over a communications network comprising the Internet or a cellular phone network, the cryptogram based at least upon a primary account number, the cryptogram obtained by the computer from a user device via near field communications, the user device being in the form of a card;
• receiving, by the server computer from the computer over the communications network comprising the Internet or the cellular phone network, a request for dynamic account information, the request including the cryptogram;
• and
• transmitting dynamic account information to the computer over the communications network, wherein the computer subsequently conducts a payment transaction with a merchant computer using the dynamic account information.