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

Claim 15:
16. A user device comprising:
a processor; and
a non-transitory computer readable medium comprising, instructions, executable by the processor to cause the user device to:
transmit, to an access device, a digital certificate and a seed, wherein the access device encrypts the seed, and a first access device key with a public key from the digital certificate to form encrypted data;
receive, from the access device, the encrypted data;
decrypt the encrypted data using a private key corresponding to the public key to obtain the seed, and the first access device key;
verify that the seed received from the access device matches the seed sent to the access device;
encrypt a secret or derivative thereof with the first access device key to form an encrypted secret or derivative thereof; and
transmit to the access device, the encrypted secret or derivative thereof.