Gerald is a new customer of the issuer, and has requested a card via the bank’s website. The issuer approves his application and issues a new card. The issuer also notifies Gerald that he can begin to use his card for online purchases immediately, by requesting a dynamic security code via the issuer’s mobile application. Gerald installs the bank’s mobile app on his phone, and later, he goes online to shop for shoes. When it comes time to pay, he logs onto the bank’s mobile app and requests a dCVV2. Gerald then enters in his card information on the merchant website, including the dCVV2 received from his issuer, and completes a successful Card Not Present transaction.