MUMBAI, India, Nov. 2 -- Intellectual Property India has published a patent application (202641124588 A) filed by Vellore Institute Of Technology on October 15, 2026, for A System And Method For Multi-Zone Digital Payment Instruments Using Cyclic Cross-Zone Cryptographic Attestation.
Inventors include Manohar Kumar C V S S; Shaik Azam Sufiyan; and Swagata Banerjee.
The application for the patent was published on October 30, 2026, under issue no. 44/2026.
Abstract: The present disclosure proposes a system (100) and method for generating and verifying a multi-zone digital payment instrument artifact (101) having machine- readable encoded zones mutually bound through cyclic cross-zone cryptographic attestation. A first encoded zone (110) carries an integrity digest, a second encoded zone (120) carries an authorization structure and digital signatures, and a third encoded zone (130) carries an authenticated-encryption envelope protecting confidential instrument information. A key custody boundary (118) retains private key material during cryptographic operations. A digest registry (126) and status store (128) support registration and serial-status verification. A stage-ordered verification cascade (154) verifies serial status, cross-zone attestation values, digest registration, and temporal validity before higher-cost cryptographic and transactional operations. Institutional embodiments support Merkle-committed tranche processing through a fourth encoded zone (140), child instruments, hash-chain settlement records, and capacity-adaptive encoding.
Disclaimer: Curated by HT Syndication.
