Virtual access credential interaction system and method

A communication device operated by a user comprising:

• a processor;
• a memory device;
• and
• a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising:
• transmitting, by the communication device to an authorizing entity computer, a request for a virtual access credential for a payment account identifier, wherein the request comprises the payment account identifier, the payment account identifier being associated with an account generated by an external entity computer without being linked to the authorizing entity computer;
• receiving, by the communication device from authorizing entity computer, the virtual access credential generated by the authorizing entity computer, the virtual access credential being linked to the account maintained by the external entity computer that is external to the authorizing entity computer;
• storing, by the communication device, the virtual access credential on a digital wallet of the communication device thereby provisioning the virtual access credential on the communication device by the authorizing entity computer;
• displaying, by the communication device, the digital wallet for selecting the virtual access credential;
• receiving, by the communication device, a selection of the virtual access credential in connection with an interaction with a resource provider to access a resource using an account identifier associated with the virtual access credential;
• and
• providing, by the communication device, the virtual access credential or an access token associated with the virtual access credential to an access device associated with the resource provider, the access device generating an authorization request message comprising the virtual access credential or the access token and transmitting the authorization request message to a processing computer in communication with the authorizing entity computer, which determines if the user is authorized to access the resource.

A method comprising:

• receiving, by an authorizing entity computer, a request for a virtual access credential from a communication device operated by a user, wherein the request comprises payment account identifier, the payment account identifier being associated with an account generated by an external entity computer without being linked to the authorizing entity computer;
• generating, by the authorizing entity computer, the virtual access credential associated with the payment account identifier;
• transmitting, by the authorizing entity computer, the virtual access credential to the communication device operated by the user, wherein the virtual access credential is tokenized into an access token by a token service;
• provisioning, by the authorizing entity computer, the virtual access credential on a digital wallet of the communication device;
• receiving, by a processing computer communicatively coupled to the authorizing entity computer, an authorization request message comprising the access token for an interaction between the user and a resource provider, wherein the processing computer is associated with the token service;
• de-tokenizing, by the processing computer, the access token to obtain the virtual access credential, wherein the processing computer is not configured to process the virtual access credential;
• modifying, by the processing computer, the authorization request message to replace the access token with the virtual access credential;
• transmitting, by the processing computer, the authorization request message to the authorizing entity computer;
• determining, by the authorizing entity computer, an account identifier linked to the virtual access credential and communication data associated with the account identifier, the account identifier being associated with an account maintained by an external entity computer without being linked to the processing computer, the external entity computer being external to the authorizing entity computer and the processing computer;
• and
• initiating, by the authorizing entity computer, a resolution process with the resource provider through the processing computer, wherein the resolution process includes a settlement process that transfers funds between the authorizing entity computer, the external entity computer, and the processing computer.