US 11,956,248 B2
System and method for message recipient verification
Alex Tak Kwun Lau, Toronto (CA); Edison U. Ortiz, Toronto (CA); Akhil Gupta, Toronto (CA); Mohit Sharma, Toronto (CA); Lucas Joseph Manuel, Toronto (CA); and Tian Jou Tendy Su, Toronto (CA)
Assigned to ROYAL BANK OF CANADA, Toronto (CA)
Filed by ROYAL BANK OF CANADA, Toronto (CA)
Filed on Apr. 30, 2021, as Appl. No. 17/245,851.
Application 17/245,851 is a continuation of application No. 15/829,240, filed on Dec. 1, 2017, granted, now 10,999,294.
Claims priority of provisional application 62/546,107, filed on Aug. 16, 2017.
Claims priority of provisional application 62/428,659, filed on Dec. 1, 2016.
Prior Publication US 2021/0258324 A1, Aug. 19, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 29/06 (2006.01); H04L 9/32 (2006.01); H04L 9/40 (2022.01); H04W 4/80 (2018.01); H04W 12/06 (2021.01); H04W 12/108 (2021.01)
CPC H04L 63/123 (2013.01) [H04L 9/3271 (2013.01); H04L 63/0442 (2013.01); H04L 63/0492 (2013.01); H04L 63/0876 (2013.01); H04W 4/80 (2018.02); H04W 12/06 (2013.01); H04W 12/108 (2021.01); H04L 2209/805 (2013.01)] 18 Claims
OG exemplary drawing
 
1. An electronic device, comprising:
at least one communication interface;
at least one memory; and
at least one processor configured for:
communicating between the 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 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 verification challenge to initiate the data process.