A method for provisioning access data to a communication device, the method comprising: receiving, by a server computer from the communication device, an initialization request message to provision the access data to a service provider application (102B-1) on the communication device; providing, by the server computer to the communication device, a dynamic data element; performing (S 116), with the communication device emulating an access device, a message exchange process with a user device, wherein during the message exchange process a value is transmitted from the communication device to the user device and a cryptogram is received by the communication device from the user device, wherein the cryptogram is formed using the dynamic data element, a user device identifier, and a public cryptographic key; receiving, by the server computer from the communication device, a provisioning request message including the user device identifier and the cryptogram in a first message format; generating, by the server computer, an authorization request message in a second message format, the authorization request message comprising the cryptogram, the user device identifier, the dynamic data element, and a value; transmitting, by the server computer, the authorization request message to an authorizing computer, wherein the authorizing computer extracts the cryptogram from the authorization response message, decrypts the cryptogram using a private cryptographic key to determine a recovered dynamic data element, and determines that the recovered dynamic data element matches the dynamic data element; receiving, by the server computer, an authorization response message from the authorizing computer; in response to receiving the authorization response message, providing, by the server computer, access data to the communication device; and storing, by the communication device, the access data in a secure area in the communication device. receiving, by a server computer from the communication device, an initialization request message to provision the access data to a service provider application (102B-1) on the communication device; providing, by the server computer to the communication device, a dynamic data element; performing (S 116), with the communication device emulating an access device, a message exchange process with a user device, wherein during the message exchange process a value is transmitted from the communication device to the user device and a cryptogram is received by the communication device from the user device, wherein the cryptogram is formed using the dynamic data element, a user device identifier, and a public cryptographic key; receiving, by the server computer from the communication device, a provisioning request message including the user device identifier and the cryptogram in a first message format; generating, by the server computer, an authorization request message in a second message format, the authorization request message comprising the cryptogram, the user device identifier, the dynamic data element, and a value; transmitting, by the server computer, the authorization request message to an authorizing computer, wherein the authorizing computer extracts the cryptogram from the authorization response message, decrypts the cryptogram using a private cryptographic key to determine a recovered dynamic data element, and determines that the recovered dynamic data element matches the dynamic data element; receiving, by the server computer, an authorization response message from the authorizing computer; in response to receiving the authorization response message, providing, by the server computer, access data to the communication device; and storing, by the communication device, the access data in a secure area in the communication device.