MUMBAI, India, Feb. 13 -- Intellectual Property India has published a patent application (202541123986 A) filed by R. Pushpa Kumari; S. Pragatheesh; R. Ravichandran; and T. Krishna Kumar, Coimbatore, Tamil Nadu, on Dec. 9, 2025, for 'personal finance tracker.'
Inventor(s) include R. Pushpa Kumari; S. Pragatheesh; R. Ravichandran; and T. Krishna Kumar.
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 present invention discloses an Artificial Intelligence (Al) integrated Personal Finance Management System designed to assist users in effectively managing, monitoring, and optimizing their financial activities through an interactive web-based platform. The invention leverages Al, machine learning (ML), and data analytics to automate the processes of expense tracking, income categorization, and financial goal setting. It provides intelligent insights, predictive analysis, and personalized recommendations to guide users toward better financial decisions. The system incorporates a secure multi-account integration module that aggregates real-time financial data from various sources, including bank accounts, credit cards, and digital wallets. An advanced Al algorithm analyzes user transactions to detect spending habits, recurring payments, and potential financial risks. The machine learning engine continuously improves its accuracy by learning from user behavior, transaction frequency, and budget patterns, offering dynamic suggestions for savings, investments, and debt management. Furthermore, the invention integrates a Natural Language Processing (NLP)-powered chatbot that allows users to interact with the system using voice or text commands, simplifying complex financial queries and operations. The chatbot assists in generating instant financial summaries, visual reports, and investment insights in a conversational manner. The platform also employs predictive modeling to forecast future expenses and cash flow, enabling proactive financial planning. A data encryption and authentication framework ensures complete privacy and security of user data. The system can be customized for individuals, families, or small businesses, making it scalable and adaptive. The invention thus combines automation, intelligence, and user-centric design to deliver a comprehensive, real-time, and secure financial management solution that enhances financial literacy, improves decision-making, and promotes longterm financial stability."
Disclaimer: Curated by HT Syndication.
