| CPC H04L 9/3226 (2013.01) [G06F 21/72 (2013.01); H04L 9/0825 (2013.01)] | 20 Claims |

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1. A method, comprising:
receiving, by a reader application of a user device, a personal identification number (PIN) request associated with an encrypted data transfer;
receiving, by the reader application, a first digit of a plurality of digits of the PIN;
overwriting, by the reader application, a memory location of a previously-stored digit of the plurality of digits by storing the first digit in the memory location;
generating, by the reader application, a first encrypted digit by encrypting the first digit with a public key;
transmitting, by the reader application, the first encrypted digit to a secure element of the user device;
decrypting, by the secure element, the plurality of digits of the PIN with a private key, wherein the private key is associated with the public key; and
generating, by the secure element, a PIN blob based at least in part on the plurality of digits of the PIN.
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