MUMBAI, India, Oct. 26 -- Intellectual Property India has published a patent application (202621084406 A) filed by National Payments Corporation Of India on July 09, 2026, for A Method And System For Unified Cross-Psp Payment Confirmation With Per-Device Cryptographic Key Binding.
Inventors include Ritesh Salunke; Sujitkumar Kairamkonda; and Nachiket Rajgurav.
The application for the patent was published on October 23, 2026, under issue no. 43/2026.
Abstract: ABSTRACT A METHOD AND SYSTEM FOR UNIFIED CROSS-PSP PAYMENT CONFIRMATION WITH PER-DEVICE CRYPTOGRAPHIC KEY BINDING A system and method for unified cross-PSP payment confirmation with per-device cryptographic key binding are described. An interoperability server maintains a registry mapping a plurality of virtual payment addresses from distinct payment service providers to a single soundbox device identified by a factory-provisioned device serial number. Per-device AES-GCM encryption and HMAC-SHA256 authentication keys are derived via ECDH-HKDF using the device serial number as the HKDF info parameter, such that the relay payment service provider cannot decrypt the transaction notification payload. On a successful payment event, the interoperability server encrypts the notification payload, computes a MAC, and routes it to the managing payment service provider, which publishes it via MQTT to the soundbox device. The soundbox firmware verifies the MAC and AES-GCM decrypts the payload, while the soundbox hardware security module holds the device key and performs the ECDH key agreement. A single soundbox device thereby serves multiple payment service providers. FIG. 1.
Disclaimer: Curated by HT Syndication.
