A system and method that enables rules-based, partially online and offline payment transactions.

The UPI Lite account system addresses server overload and sensitive information requirements in UPI-based transactions by allowing secure, efficient, and single-click small-value payments through rule-based, partially online and offline transactions.

JP7883522B2Active Publication Date: 2026-07-01NATIONAL PAYMENTS CORPORATION OF INDIA
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Patent Information

Authority / Receiving Office
JP · JP
Patent Type
Patents
Current Assignee / Owner
NATIONAL PAYMENTS CORPORATION OF INDIA
Filing Date
2022-05-23
Publication Date
2026-07-01

AI Technical Summary

Technical Problem

Existing UPI-based payment systems face increased processing loads on issuer switches and servers due to high transaction volumes, and require sensitive information input for small transactions, leading to prolonged processing times and server overload.

Method used

A system and method enabling rule-based, partially online and offline payment transactions using a UPI Lite account, where transactions are executed with a balance stored in secure storage, reducing the need for server interaction and sensitive information input.

Benefits of technology

This approach reduces processing loads on servers and enables secure, single-click small-value transactions without exposing sensitive information, enhancing transaction efficiency and security.

✦ Generated by Eureka AI based on patent content.

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Patent Text Reader

Abstract

Summary of the Invention System and method for enabling rules-based partially online and offline payment transactions - Patents.com The present invention discloses a system (100) and method (200) for enabling registered users to perform partially online and offline rule-based payment transactions. A PSP tool (20) installed on an electronic device (10) associated with the registered user executes a trusted application (104) stored in a secure storage area of ​​the device (10). The trusted application (104), the PSP tool (20) and the PSP server (30) communicate with an authentication engine (108) and multiple banking system servers (40, 50) via an electronic switch (106) to enable the registered user to register and create Unified Payment Interface (UPI) Lite accounts (204a), replenish the registered financial accounts with cash stored in the secure storage area as a balance amount (204b), and use the balance amount (204c) to perform partially online and offline payment transactions without involving the banking system servers (40, 50).
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