MUMBAI, India, Oct. 26 -- Intellectual Property India has published a patent application (202621097581 A) filed by National Payments Corporation Of India on August 12, 2026, for Method And System For Offline Contactless Payment At A Point-Of-Sale Terminal Over Near-Field Communication.
Inventors include Nishant Gaurav; Vipin Soni; Jash Desai; and Himit Parekh.
The application for the patent was published on October 23, 2026, under issue no. 43/2026.
Abstract: ABSTRACT METHOD AND SYSTEM FOR OFFLINE CONTACTLESS PAYMENT AT A POINT-OF-SALE TERMINAL OVER NEAR-FIELD COMMUNICATION A system and method for completing a person-to-merchant payment over a near-field-communication link without payer-side network connectivity are described. In one example, a point-of-sale terminal acts as a coordinator of an application-layer transport protocol defining a binary header with a request identifier, a packet-type field, and a processing/processed status field, and retransmits a polling packet on the request identifier until a processed state is received, thereby providing a reliable asynchronous fragmenting transport over a half-duplex near-field-communication link. Before any transfer of value, both the point-of-sale terminal and a payer device generate a respective fresh per-transaction random number, sign a message binding a transaction identifier, an amount, and addresses, and cross-verify device-bound certificates offline against a trust anchor. A mode-selection module then selects, without server contact, one among an offline on-device-wallet mode, a no-customer-verification-method mode, and a personal-identification-number-on-terminal mode, an offline debit being reconciled with duplicate suppression on reconnection. FIG. 1
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