MUMBAI, India, Jan. 2 -- Intellectual Property India has published a patent application (202541124221 A) filed by Sasikumar Mohan, Madurai, Tamil Nadu, on Dec. 9, 2025, for 'a consent-based credit card sharing system with multi-directional card, live offer, and friend/group-based assistance.'
Inventor(s) include Sasikumar Mohan.
The application for the patent was published on Jan. 2, under issue no. 01/2026.
According to the abstract released by the Intellectual Property India: "A consent-based, multi-directional credit card discovery and sharing system enabling optimization of merchant offers by matching live offers with credit card owners among a user's contacts or groups. The system dynamically ingests merchant and bank offers, maps them to eligible card variants, and identifies assisting users through multi-directional inference across Users, Cards, Offers, and Groups. A card owner may provide spend-limited, time-bound digital consent via in-app or email authorization. All financial transactions occur externally only by the card owner, and the platform stores no sensitive card data. The invention provides anonymous polling, controlled identity reveal, fraud prevention, and referral support in a privacy-preserving manner."
Disclaimer: Curated by HT Syndication.
