A method performed by at least a mobile phone comprising a processor, a memory, and a display coupled to the processor, the memory storing a mobile application comprising a software development kit (SDK), the method comprising:
- transmitting, by the SDK, in the mobile application on the mobile phone to a processing computer, an access credential identifier comprising a portion of a credential, the credential comprising a primary account number, wherein the processing computer determines the primary account number and additional data using the portion of the credential, and initiates an authentication process with respect to a user of the primary account number;
- receiving, by the SDK in the mobile application on the mobile phone from the processing computer, the primary account number and the additional data;
- displaying, by the display of the mobile phone, via the SDK in the mobile application on the mobile phone, the primary account number and the additional data;
- and
- providing by the mobile phone, the primary account number and the additional data to a resource provider computer in a transaction, wherein the resource provider computer is programmed to generate an authorization request message comprising the primary account number and the additional data and transmit the authorization request message to an authorizing entity computer for authorization,
- wherein the primary account number and the additional data are encrypted using an encryption key of an encryption/decryption key pair used by the processing computer and the SDK, and wherein the SDK decrypts the encrypted primary account number and the additional data using a decryption key of the encryption/decryption key pair.