A method is disclosed. The method includes a user device storing a message data template comprising a plurality of data fields. A multi-record message may be generated using the message data template in response to an interaction between the user device and an access device. To generate the multi-record message, the user device may increment a counter stored on the user device to produce a counter value, and generate a dynamic cryptogram. The user device may additionally retrieve a credential. The counter value, the dynamic cryptogram, and the credential may then be incorporated into the plurality of data fields of the message data template to form the multi-record message. The multi-record message may be transmitted to the access device, where the access device forwards the multi-record message to an authorization computer to authorize or deny the interaction.