Systems and methods for incorporating qr codes

A communication device comprising a processor, and a computer readable medium coupled the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising:

• scanning, via a communication device, a first machine readable code encoding first data generated by an access device;
• generating, via the communication device, a cryptogram based on the first data encoded within the first machine readable code;
• obtaining, via the communication device, financial credentials data from a payment application being executed on the communication device;
• generating, via the communication device, a second machine readable code encoding second data comprising the financial credentials data and the cryptogram;
• and
• displaying on a display of the communication device the second machine readable code, wherein the second machine readable code is scanned by the access device.