Chandra Patni

About Chandra Patni

Experienced technology builder and entrepreneur working at the intersection of AI-enabled systems, secure payments, and real-world execution.Currently focused on JaiAI–IPOSUP: a practical, systems-driven initiative combining AI cognition, secure communications, and EMV-grade payment infrastructure. The emphasis is on building production-grade systems — not demonstrations, hype, or speculative research.Over 30 years of experience across financial services, fintech, and applied technology, spanning hardware, software, and the design and operation of SaaS platforms. Deep hands-on background in EMV, mobile and contactless payments, e-commerce, and secure transaction systems, with increasing focus on AI as an execution collaborator rather than a replacement for engineering discipline.Background includes founding, scaling, and exiting multiple technology ventures globally, as well as building new products and markets within both startup and corporate environments. International experience across product development, go-to-market execution, and system deployment.Current interests and focus areas- AI systems with memory, continuity, and execution discipline- Secure payments, EMV, and mobile commerce infrastructure- System architecture, governance, and lifecycle thinking- Mentoring and building small, serious engineering cohorts- Translating complex ideas into deployable, real-world systemsThis profile is oriented toward builders, learners, and collaborators who are interested in how systems actually get built — end-to-end, securely, and responsibly.

Experience

1. CEO CTO CISO Co-founder and Systems Architect

   Jai Ai - Hce Secure

   Dec 2025 — Present · IN

   Responsible for end-to-end leadership of Jai AI – HCE Secure, spanning business strategy, system architecture, and security governance. As Founder, set long-term direction and partnerships; as CTO, design and oversee the build of AI-enabled digital trust and payment platforms; as CISO, own security, risk, and lifecycle governance across regulated, security-critical systems.The role combines executive decision-making with hands-on technical authorship, covering AI cognition, EMV and mobile payments, identity, secure communications, and platform integrity. Focused on building production-grade systems with strong ethical, regulatory, and security foundations, while mentoring small engineering cohorts and ensuring accountable, real-world execution. Core Leadership & Strategy • Executive Leadership • Founder & Operator • Business Strategy & Governance • Strategic Partnerships • Platform & Product Strategy • Regulatory & Risk OversightTechnology & Architecture (CTO) • System Architecture & Design • Applied AI Systems (Human-in-the-Loop) • SaaS Platform Architecture • Payments Platform Engineering • EMV, Chip & PIN, Contactless Payments • Mobile & Wallet Payments • Tokenisation & Secure Transactions • API & Platform Integration • Scalable Distributed SystemsSecurity & Trust (CISO) • Information Security Strategy • Digital Trust & Identity Systems • Threat Modelling & Risk Management • Secure Communications • Data Protection & Privacy by Design • Governance, Off-boarding & Lifecycle Security • Security Architecture for Regulated SystemsExecution & Delivery • End-to-End Platform Delivery • Post-Acquisition Integration • Partner Enablement & Ecosystem Build • Production Deployment & Operations • Quality, Resilience & ReliabilityPeople & Capability • Engineering Leadership & Mentorship • Cohort-Based Team Building • Technical Review & Architecture Authority

Education

• Imperial College London

  PhD and DIC, Electrical Engineering

Skills

• Payment Card Processing
• E-Payments
• Mobile Applications
• Loyalty Programs
• Product Management
• Global Business Development
• Debit Cards
• Go-to-Market Strategy
• Business Modeling
• Senior Manager
• Digital Wallets
• Saas
• Rfid+
• Mobile Strategy
• Mobile Technology
• Strategic Partnerships
• Xml
• Acquiring
• Mobile Devices
• Pos
• Payment Systems
• Strategy
• E-Commerce
• Mobile Payments
• Integration
• Payment Gateways
• Mobile Banking
• Smart Cards
• Cards
• Mobile Internet
• Emv
• Management
• SEO
• Business Analysis
• Solutions Marketing
• Business Development
• Mobile
• Executive Management
• Payments
• Mobile Commerce