Techniques for alternative data exchange mechanisms at terminal devices

1 . A computer-implemented method, comprising:

initiating, by an application executing on a user device, a data exchange session with a terminal device;

determining, by the application, that a data exchange account is not associated with the user device;

obtaining, by the application from a server device, a list comprising a plurality of third party service providers;

presenting, by the application, the list at a display of the user device;

receiving, by the application, an indication that a third party service provider of the plurality of third party service providers has been selected;

responsive to the indication, transmitting, by the application to the server device, a request to associate the data exchange account with the user device, the data exchange account provided by the third party service provider;

receiving, by the application from the server device, data exchange account information comprising a token associating the user device with the data exchange account; and

transmitting, by the application to the terminal device within the data exchange session, a data cryptogram comprising information usable to identify the data exchange account, the data cryptogram generated by the application using the token.

2 . The computer-implemented method of claim 1 , further comprising:

obtaining, by the application from the server device, a data exchange option corresponding to the data exchange account and provided by the third party service provider, the server device maintaining association information for the third party service provider;

receiving, by the application, an indication that the data exchange option was selected;

responsive to the indication, transmitting, by the application to the server device, a confirmation request associated with the data exchange option; and

receiving, by the application from the server device, a confirmation that the data exchange option is approved by the third party service provider.

3 . The computer-implemented method of claim 1 , wherein initiating the data exchange session comprises initiating the data exchange session using a near-field communication protocol.

4 . The computer-implemented method of claim 1 , wherein initiating the data exchange session comprises initiating the data exchange session using a network resource provided by the terminal device.

5 . The computer-implemented method of claim 1 , wherein the data exchange session comprises a payment session.

6 . The computer-implemented method of claim 1 , wherein the data exchange account comprises a payment method account.

7 . The computer-implemented method of claim 1 , wherein the token comprises information usable by the third party service provider to validate the data cryptogram transmitted from the application to the terminal device.

8 . A user device, comprising:

one or more processors; and

one or more memories storing computer-executable instructions that, when executed by the one or more processors, cause the user device to execute an application configured to at least:

initiate a data exchange session with a terminal device;

determine that a data exchange account is not associated with the user device;

obtain, from a server device, a list comprising a plurality of third party service providers;

present the list at a display of the user device;

receive an indication that a third party service provider of the plurality of third party service providers has been selected;

responsive to the indication, transmit, to the server device, a request to associate the data exchange account with the user device, the data exchange account provided by the third party service provider;

receive, from the server device, data exchange account information comprising a token associating the user device with the data exchange account; and

transmit, to the terminal device within the data exchange session, a data cryptogram comprising information usable to identify the data exchange account, the data cryptogram generated by the application using the token.

9 . The user device of claim 8 , wherein the application is further configured to:

obtain, from the server device, a data exchange option corresponding to the data exchange account and provided by the third party service provider, the server device maintaining association information for the third party service provider;

receive an indication that the data exchange option was selected;

responsive to the indication, transmit, to the server device, a confirmation request associated with the data exchange option; and

receive, from the server device, a confirmation that the data exchange option is approved by the third party service provider.

10 . The user device of claim 8 , wherein initiating the data exchange session comprises initiating the data exchange session using a near-field communication protocol.

11 . The user device of claim 8 , wherein initiating the data exchange session comprises initiating the data exchange session using a network resource provided by the terminal device.

12 . The user device of claim 8 , wherein the data exchange session comprises a payment session.

13 . The user device of claim 8 , wherein the data exchange account comprises a payment method account.

14 . The user device of claim 8 , wherein the token comprises information usable by the third party service provider to validate the data cryptogram transmitted from the application to the terminal device.

15 . One or more non-transitory computer-readable media storing computer-executable instructions that, when executed by one or more processors of a user device, cause the one or more processors to execute an application configured to at least:

initiate a data exchange session with a terminal device;

determine that a data exchange account is not associated with the user device;

obtain, from a server device, a list comprising a plurality of third party service providers;

present the list at a display of the user device;

receive, an indication that a third party service provider of the plurality of third party service providers has been selected;

responsive to the indication, transmit, to the server device, a request to associate the data exchange account with the user device, the data exchange account provided by the third party service provider;

receive, from the server device, data exchange account information comprising a token associating the user device with the data exchange account; and

transmit, to the terminal device within the data exchange session, a data cryptogram comprising information usable to identify the data exchange account, the data cryptogram generated by the application using the token.

16 . The one or more non-transitory computer-readable media of claim 15 , wherein the application is further configured to:

obtain, from the server device, a data exchange option corresponding to the data exchange account and provided by the third party service provider, the server device maintaining association information for the third party service provider;

receive an indication that the data exchange option was selected;

responsive to the indication, transmit, to the server device, a confirmation request associated with the data exchange option; and

receive, from the server device, a confirmation that the data exchange option is approved by the third party service provider.

17 . The one or more non-transitory computer-readable media of claim 15 , wherein initiating the data exchange session comprises initiating the data exchange session using a near-field communication protocol.

18 . The one or more non-transitory computer-readable media of claim 15 , wherein initiating the data exchange session comprises initiating the data exchange session using a network resource provided by the terminal device.

19 . The one or more non-transitory computer-readable media of claim 15 , wherein the data exchange session comprises a payment session.

20 . The one or more non-transitory computer-readable media of claim 15 , wherein the data exchange account comprises a payment method account.