Systems, methods, and computer program products for dynamic cryptographic communication

Systems, methods, and computer program products for dynamic cryptographic communication use a merchant application installed on a user device that receives transaction data associated with a transaction at a merchant system. The transaction data can include an account identifier associated with an account at an issuer system. The merchant application determines whether an issuer application associated with the issuer system is installed on the user device based on the account identifier. In response to determining that the issuer application is installed on the user device, the merchant application transmits a request for a dynamic password to the issuer application. The merchant application receives the dynamic password from the issuer application and transmits an authorization request including the account identifier and the dynamic password to the issuer system. The merchant application receives an authorization response from the issuer system to authorize or reject the transaction. 用于动态密码通信的系统、方法和计算机程序产品使