Patent ID: 8793192

Claim:
A method comprising: receiving payment card data comprising a payment card number at an access device; receiving an identifier for a phone at the access device; generating, by the access device, a first authorization request message comprising the payment card data and the identifier for the phone; sending, by the access device, a first authorization request message to a server computer associated with a payment processing network, wherein the server computer includes a processor and a memory with instructions being executed by the processor, the instructions including generating a verification token, wherein the verification token indicates that subsequent transactions conducted by the phone are to be processed as card present transactions by the server computer, and sending the verification token to the phone, which stores the verification token in the phone, whereby the phone is thereafter used to conduct payment transactions, wherein the payment transactions are processed as card present transactions; and receiving, by the access device and from the phone, the payment card number and the verification token in a payment transaction; generating, by the access device, a second authorization request message comprising the payment card number, the verification token and a purchase price for the payment transaction to the server computer; and sending, by the access device and during the payment transaction, the second authorization request message to the server computer, wherein the instructions further include analyzing the second authorization request message comprising the payment card number, the verification token, and the purchase price and performing card present processing on the payment transaction after determining that the verification token is present in the second authorization request message.