MUMBAI, India, Jan. 9 -- Intellectual Property India has published a patent application (202511114687 A) filed by Prof. Sidharth Jain; Dr. Piyush Kumar; Prof. Prabhat Kumar; Prof. Nitin Kumar Agarwal; and Dr. Bhuvnesh Kumar, Aligarh, Uttar Pradesh, on Nov. 20, 2025, for 'automated credit-risk assessment engine using dynamic financial indicators.'
Inventor(s) include Prof. Sidharth Jain; Dr. Piyush Kumar; Prof. Prabhat Kumar; Prof. Nitin Kumar Agarwal; and Dr. Bhuvnesh Kumar.
The application for the patent was published on Jan. 9, under issue no. 02/2026.
According to the abstract released by the Intellectual Property India: "The invention relates to an automated credit-risk assessment engine and associated method that utilizes dynamic financial indicators to compute real-time credit scores. The system includes a data ingestion interface for multi-source financial data (10), a normalization engine (20), a dynamic indicator module (30), a multi-algorithm risk-modelling engine (40), decision rules repository (50), explainable AI layer (60), compliance module (70), secure distributed ledger (80) and risk score processor (90). These components operate within a hardware-implemented distributed computing framework supporting cloud and edge deployment. The engine produces adaptive credit-risk outputs, continuous portfolio monitoring and tamper-proof audit trails. The method comprises steps for data ingestion, normalization, indicator extraction, model computation, compliance verification and secure event logging. The invention offers improved accuracy, transparency and regulatory alignment compared to static scoring systems."
Disclaimer: Curated by HT Syndication.
