Intellectual Property India Publishes Patent Application for A Method And System For Real-Time Merchant-Agnostic Issuer-Driven Emi Conversion Over Upi

MUMBAI, India, Oct. 26 -- Intellectual Property India has published a patent application (202621084400 A) filed by National Payments Corporation Of India on July 09, 2026, for A Method And System For Real-Time Merchant-Agnostic Issuer-Driven Emi Conversion Over Upi.

Inventors include Adarsh Kumar Rathore; and Sourabh Tomar.

The application for the patent was published on October 23, 2026, under issue no. 43/2026.

Abstract: ABSTRACT A METHOD AND SYSTEM FOR REAL-TIME MERCHANT-AGNOSTIC ISSUER-DRIVEN EMI CONVERSION OVER UPI A method and system for real-time, merchant-agnostic, issuer-driven equated-monthly-instalment conversion over a Unified Payments Interface are described. In one example, a payment- service-provider application initiates ...