Fatima is an avid online shopper and, based on KYC data, the issuer displays an offer for Fatima to help increase security with the use of dynamic security codes during her online shopping. Later, while shopping for her cousin’s wedding, Fatima remembers the offer and accesses her issuer’s banking application and requests the “Dynamic Security Code” for her credit card. The code is delivered to Fatima, and at checkout she uses the dCVV2 value she has been issued. The next day, she is shopping online for her nephew’s graduation, and she again uses the issuer’s mobile app to request a dCVV2. The issuer had requested multiple codes from Visa with Fatima’s original request the previous day, so simply forwards her the current valid value – without making another call to the Visa API. Fatima uses this new value while checking out to complete a successful Card Not Present transaction.