Intellectual Property India Publishes Patent Application for A System And Method For Intelligent Triple Device Verification And Machine Learning-Based Biometric Authentication For Secure Digital Payment Systems

MUMBAI, India, June 26 -- Intellectual Property India has published a patent application (202631070863 A) filed by Sneha Agrawal on June 07, 2026, for A System And Method For Intelligent Triple Device Verification And Machine Learning-Based Biometric Authentication For Secure Digital Payment Systems.

Inventors include Sneha Agrawal; Mritunjay Kumar Ranjan; and Ankita Patil.

The application for the patent was published on June 19, 2026, under issue no. 25/2026.

Abstract: The present disclosure relates to a computer-implemented system and method for intelligent triple device verification and machine-learning-based authentication for secure digital payment systems. The disclosed system is configured to enhance transaction security through coordinated verification of a Bank Registered Device (BRD), an OTP Authentication Device (ORD), and a Transaction Initiation Device (TID) associated with an authorized entity. The system comprises a device registration module configured to generate a Trusted Device Identifier (TDI) utilizing cryptographic device fingerprinting, an OTP authentication engine configured to generate and validate one-time-password authentication information, a triple device verification module configured to establish trust relationships among participating devices, and a biometric identity authentication engine configured to authenticate one or more biometric credentials associated with the authorized entity. A machine- learning-based fraud assessment engine processes transaction attributes, device-related information, authentication parameters, behavioral characteristics, and contextual information to determine a Fraud Probability Metric (FP). A dynamic trust evaluation engine generates a Dynamic Transaction Trust Coefficient (DTTC) based upon a Device Verification Score (DVS), an OTP Verification Score (OVS), a Biometric Confidence Score (BCS), and the Fraud Probability Metric (FP). A transaction authorization engine selectively authorizes, challenges, suspends, reviews, or rejects transaction requests based upon the generated DTTC. The disclosed invention improves transaction security, mitigates device spoofing and account takeover attacks, enhances fraud detection accuracy, and facilitates adaptive trust-based authorization for secure digital payment processing.

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