MUMBAI, India, Feb. 13 -- Intellectual Property India has published a patent application (202611000860 A) filed by Nims University, Jaipur, Rajasthan, on Jan. 5, for 'financial planning system.'
Inventor(s) include Krishna Kant Sharma.
The application for the patent was published on Feb. 13, under issue no. 07/2026.
According to the abstract released by the Intellectual Property India: "The invention relates to an AI-driven personalized financial planning system (100) and method (200) integrating multiple intelligent modules to deliver adaptive, transparent, and secure financial advice. The system comprises a financial profiling module (101), an adaptive goal optimization module (102), an AI engine (103) for generating strategies, a dynamic risk assessment module (104), a behavioural finance module (105), an explainable AI component (106), a notification system (107), a scenario simulation module (108), a continuous learning system (109), and a blockchain-based secure data management system (110). These modules work collaboratively to aggregate and analyse user financial data, set and refine goals, assess risk, simulate outcomes, and improve over time. The system incorporates psychological factors and provides interpretable recommendations while ensuring data privacy. This architecture enables complete, user-specific financial planning that adapts to changing user needs and market dynamics."
Disclaimer: Curated by HT Syndication.
