MUMBAI, India, Sept. 22 -- Intellectual Property India has published a patent application (202611091054 A) filed by Dr. Akash Yadav; Dr. Shubham Mishra; Dr. Shivani Kushwaha; Dr. Saumya Singh; Priyanshi Srivastava; Dr. Neeraj Srivastava; Dr. Prashant Srivastava; and Dr. Indu Bala on July 27, 2026, for A Real Time Expense Categorization And Cash Flow Management Platform.
Inventors include Dr. Akash Yadav; Dr. Shubham Mishra; Dr. Shivani Kushwaha; Dr. Saumya Singh; Priyanshi Srivastava; Dr. Neeraj Srivastava; Dr. Prashant Srivastava; and Dr. Indu Bala.
The application for the patent was published on September 18, 2026, under issue no. 38/2026.
Abstract: The present invention relates to a real-time expense categorization and cash flow management platform designed to improve financial visibility, control, and decision- making for individuals and organizations. The platform securely integrates with bank accounts, payment applications, cards, invoices, and enterprise systems to continuously capture transaction data. Using configurable rules, machine learning models, and contextual analysis, each transaction is automatically identified, classified, and assigned to an appropriate expense category. The system detects recurring payments, unusual spending, duplicate charges, and budget deviations, while allowing users to review or correct classifications. A dynamic cash flow engine evaluates income, expenses, liabilities, receivables, and scheduled payments to generate balances and short-term forecasts. Interactive dashboards provide real-time insights into spending patterns, category trends, budget utilization, and liquidity positions. The platform may also issue personalized alerts, recommend corrective actions, and simulate future financial scenarios based on expected transactions. Role-based access, encryption, audit trails, and consent controls protect sensitive information. By combining automated categorization with predictive cash flow analysis, the invention reduces manual bookkeeping, improves forecasting accuracy, and supports timely, informed financial management across multiple accounts and operational environments.
Disclaimer: Curated by HT Syndication.
