MUMBAI, India, May 1 -- Intellectual Property India has published a patent application (202641049771 A) filed by Dayananda Sagar Academy Of Technology And Management; Shivaprasad Ashok Chikop; Aurindam Ghosh; Kushal R; Praveen; and R Jeevan, Bangalore, Karnataka, on April 19, for 'one bengaluru card - a unified nfc-enabled multi-mode digital payment system for public transport and retail.'
Inventor(s) include Dayananda Sagar Academy Technology And Management; Shivaprasad Ashok Chikop; Aurindam Ghosh; Kushal R; Praveen; and R Jeevan.
The application for the patent was published on May 1, under issue no. 18/2026.
According to the abstract released by the Intellectual Property India: "The invention relates to a contactless NFC-based unified smart card - the One Bengaluru Card - enabling seamless digital payments across metro rail, BMTC buses, auto-rickshaws, and retail establishments, integrated with India's UPI framework for instant mobile recharge and supported by a centralized cloud-based backend. The system comprises: an NFC smart card with secure element (101), a mobile application with UPI recharge gateway (102, 103), metro/bus/auto NFC POS access terminals (104), merchant retail NFC POS terminals (105), a centralized backend server (106), a multi-operator settlement engine (107), a fraud detection and security module (108), and a real-time analytics dashboard (109). The present invention ensures interoperability across all urban transport modes and retail environments, offline tap-based transaction capability in low-connectivity environments, UPI-native instant recharge without physical kiosks, high transaction security through cryptographic secure element technology, and scalable multi-operator settlement - making it a comprehensive solution for large metropolitan digital mobility deployment in India."
Disclaimer: Curated by HT Syndication.
