MUMBAI, India, Jan. 9 -- Intellectual Property India has published a patent application (202521130706 A) filed by Symbiosis International, Pune, Maharashtra, on Dec. 23, 2025, for 'system and method for predicting credit card payment default using machine learning-based data processing.'
Inventor(s) include Bhupesh Kumar Dewangan; and Aryesh Jirafe.
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: "A computer-implemented system for predicting credit card payment default using machine learning is disclosed. The system comprises a processor and memory, a data collection module acquiring demographic and financial client data over a network, and a preprocessing module performing statistical imputation of missing values, outlier detection using interquartile range analysis, and feature standardization through scaling. A feature engineering module analyzes correlations to generate predictive features, while a class balancing module applies Synthetic Minority Oversampling Technique to address data imbalance. A model training module trains Random Forest ensemble classifiers and Logistic Regression models. A prediction module generates default probability predictions using trained models. An evaluation module computes accuracy, precision, recall, and F1 scores from confusion matrices. The system integrates automated preprocessing, class balancing, and multi-model training pipelines, achieving classification accuracy exceeding eighty-four percent through efficient hardware-software computing architecture."
Disclaimer: Curated by HT Syndication.
