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

Claim 0:
1. A method comprising:
transmitting, by a user device 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;
receiving, by the user device from the access device, the encrypted data;
decrypting, by the user device, the encrypted data using a private key corresponding to the public key to obtain the seed, and the first access device key;
verifying, by the user device, that the seed received from the access device matches the seed sent to the access device;
encrypting, by the user device, a secret or derivative thereof with the first access device key to form an encrypted secret or derivative thereof; and
transmitting, by the user device to the access device, the encrypted secret or derivative thereof.