MUMBAI, India, Oct. 26 -- Intellectual Property India has published a patent application (202621084401 A) filed by National Payments Corporation Of India on July 09, 2026, for Method And System For Offline Central Bank Digital Currency Payment Via An Embedded Security Gateway.
Inventors include Ritesh Salunke; Madhavendra Pratap Singh; Breeze Nadar; and Deepnarayan Tiwari.
The application for the patent was published on October 23, 2026, under issue no. 43/2026.
Abstract: ABSTRACT METHOD AND SYSTEM FOR OFFLINE CENTRAL BANK DIGITAL CURRENCY PAYMENT VIA AN EMBEDDED SECURITY GATEWAY A system and method for offline digital currency payment governed through an embedded security gateway are described. In one example, a third-party offline wallet generates a symmetric key, encrypts it to a public key of a central system operator, and embeds the resulting envelope inside the wallet's own attested certificate-signing request at a registered object identifier. The central system operator recovers the symmetric key and delivers it exclusively to an embedded gateway in a single split- audience response relay leg, together with a risk-rules carrier, while returning an issuer-signed settings envelope to the wallet bound by a request hash. Before debiting an offline value balance, both payer and payee sign a canonical commitment object binding identities, amount, timestamps, sequence numbers, and single-use challenges; the payer debits only after verifying the payee co-signature. A transaction identifier derived from the commitment hash enables deterministic net-settlement of matched log pairs without prior coordination. FIG. 1
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