| CPC H04L 9/0825 (2013.01) [H04L 9/0869 (2013.01); H04L 9/3263 (2013.01)] | 19 Claims |

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1. A communication device comprising:
a processor;
a memory device; and
a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising:
receiving, from an access device, a resource provider certificate and an access device certificate;
establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate; and
transmitting to or receiving data from the access device using the secure channel,
wherein before the secure channel is established, the method further comprises:
determining a resource provider public key using data in the resource provider certificate;
determining an access device public key using data in the access device certificate and the resource provider public key; and
deriving a first session key using the access device public key and a communication device private key, wherein the first session key is used to form the secure channel.
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