Abstract
The present disclosure relates to a secure method and system for re-registration of a Unified Payments Interface (UPI) account, which employs a Cloud-Backed Device Continuity Token (CDCT). The method includes generating the CDCT during initial user registration using a one-way hash function based on a random number, a mobile number, and a timestamp. The CDCT is securely stored in both a backend server of a UPI payment application provider and in a user cloud identity vault. During a re-registration attempt on a new device, the presence and authenticity of the CDCT are validated. If the token matches, re-registration is allowed, effectively preventing unauthorized access due to SIM-swap fraud or device theft. The system includes a verification module that enforces enhanced secondary verification measures when the CDCT is absent or mismatched, thereby ensuring robust security measures for UPI transactions.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Roy, Alok, "METHOD AND SYSTEM FOR SECURE RE-REGISTRATION OF UNIFIED PAYMENTS INTERFACE ACCOUNTS", Technical Disclosure Commons, (January 12, 2026)
https://www.tdcommons.org/dpubs_series/9179