MUMBAI, India, Oct. 26 -- Intellectual Property India has published a patent application (202621084402 A) filed by National Payments Corporation Of India on July 09, 2026, for Method And System For Cryptographic Authentication And Deterministic Policy Enforcement In Agent-Initiated Payment Transactions.
Inventors include Avdhoot Kajarekar; and Prashant Devadiga.
The application for the patent was published on October 23, 2026, under issue no. 43/2026.
Abstract: ABSTRACT METHOD AND SYSTEM FOR CRYPTOGRAPHIC AUTHENTICATION AND DETERMINISTIC POLICY ENFORCEMENT IN AGENT- INITIATED PAYMENT TRANSACTIONS A system and method for authorising artificial intelligence agent-initiated payment transactions on an open-loop payment network are described. The core architecture separates a deterministic policy gate at a registered payment application provider, the sole per-transaction gate authority, from a Validate-and-Sign service of a payment network operator that computes a nested payment-network co-signature over an agent-signed mandate conditioned on the gate-pass report. A three-repository infrastructure comprising an Agency Repository, an Agent Repository, and an Action Repository manages agency records, hardware-attested Agent Virtual Payment Addresses, and pre-payment audit records. For autonomous transactions, a User Directive Authorization cryptographically binds a natural-language intent text and the hash of a confirmed policy document in a single hardware-secure-element signature, excluding language model output from the enforcement path. The nested co-signed structure enables offline acquiring entity verification without a real-time call to the payment network operator. FIG. 1.
Disclaimer: Curated by HT Syndication.
