MUMBAI, India, Sept. 7 -- Intellectual Property India has published a patent application (202611083849 A) filed by Chandigarh University on July 08, 2026, for Upi Payments System Through A Biometric Pin Sequence.
Inventors include Simran; Tapish Chahera; Parteek Batheja; Piyush Ghorela; and Anshika Goel.
The application for the patent was published on September 04, 2026, under issue no. 36/2026.
Abstract: The present invention relates to a UPI payments system through a biometric PIN sequence that enables secure transaction approval without reliance on a smartphone, physical card, or visible numeric PIN. It introduces a biometric sequence-based PIN, where users perform a predefined order of finger taps on a single biometric scanning surface integrated into a merchant point-of-sale terminal. An embedded controller validates both the fingerprint identity and the tap sequence, thereby combining identity-based and knowledge-based authentication into a dual-layer security framework. Once verification is successful, the system generates a secure transaction token and transmits it to the UPI network for payment completion. A hidden duress sequence is also supported, allowing users to discreetly signal coercion while outwardly displaying a normal success response. By eliminating visible PIN entry and mobile dependency, the invention enhances accessibility, privacy, and resilience against shoulder-surfing, spoofing, and coercion attacks in digital payment environments.
Disclaimer: Curated by HT Syndication.
