A method for provisioning access data to a communication device , the method comprising: receiving (S108), 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 (S118), 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 (S120), 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 (S122), 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 (S126), by the server computer , an authorization response message from the authorizing computer ; in response to receiving the authorization response message, providing (S136), 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 (S108), 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 (S118), 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 (S120), 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 (S122), 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 (S126), by the server computer , an authorization response message from the authorizing computer ; in response to receiving the authorization response message, providing (S136), 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 . <EOS>