Patent ID: 11960581
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 18:
19. A method comprising:
receiving, by an access device from a user device, a digital certificate and a seed;
encrypting, by the access device, the seed, and a first access device key with a public key from the digital certificate to form encrypted data;
transmitting, by the access device to the user device, the encrypted data, wherein the user device decrypts the encrypted data using a private key corresponding to the public key to obtain the seed, and the first access device key, verifies that the seed received from the access device matches the seed sent to the access device, and encrypts a secret or derivative thereof with the first access device key to form an encrypted secret or derivative thereof, and
receiving, by the access device from the user device, the encrypted secret or derivative thereof.