MUMBAI, India, Feb. 27 -- Intellectual Property India has published a patent application (202641017326 A) filed by Flowsphere India Private Limited, Bengaluru, Karnataka, on Feb. 17, for 'a system and method for alternative creditworthiness inference.'
Inventor(s) include Sharma, ASV Nagesh Kumar.
The application for the patent was published on Feb. 27, under issue no. 09/2026.
According to the abstract released by the Intellectual Property India: "The invention relates to a computer implemented system and method for inferring creditworthiness using hardware telemetry, behavioral entropy, and secure enclave computation. Conventional credit scoring systems rely on centralized financial histories, which exclude thin file individuals, and metadata based alternatives are vulnerable to spoofing and privacy risks. The disclosed system operates within a mobile computing device equipped with a Trusted Execution Environment. A hardware telemetry aggregator collects low level signals such as battery discharge curves, charging cycles, GPS stability, accelerometer readings, and update frequency. A behavioral entropy engine analyzes typing cadence, application usage patterns, and movement consistency to differentiate genuine human activity from automated activity. A hardware software interface monitors device uptime and maintenance logs, while cross silicon verification using a hardware root of trust ensures authenticity of sensor data. The inference logic generates a reliability score encapsulated as a cryptographically signed trust token. Only the signed token is transmitted externally, preserving privacy and ensuring tamper resistance."
Disclaimer: Curated by HT Syndication.
