Patent ID: 11956248
Assignee: ROYAL BANK OF CANADA
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 9:
10. A method for multi-party initiation of a data process, the method comprising:
communicating between a first electronic device and a second electronic device over proximity-based communication channel an introduction message including a first encryption key;
receiving a challenge notification providing notification of a challenge to be completed to initiate a data process, the challenge notification including an encoded message generated based on data communicated between the first electronic device and the second electronic device and at least one data field associated with a verification challenge,
the at least one data field including a challenge response value, the challenge response value encoded by the second electronic device based on the first encryption key included with the introduction message;
deriving the challenge response value based on the encoded message corresponding to the first encryption key; and
transmitting the derived challenge response value to a server to complete the challenge to initiate the data process.