MUMBAI, India, Sept. 28 -- Intellectual Property India has published a patent application (202641112764 A) filed by Dr. Ravindran K; Dr. Chandan Chavadi; Dr. Pradeep Kumar Shinde; Pradeep P; Monika Sirothiya; and Reuben Buthello on September 21, 2026, for Ai-Based Enterprise Financial Risk Prediction And Decision Support System.
Inventors include Dr. Ravindran K; Dr. Chandan Chavadi; Dr. Pradeep Kumar Shinde; Pradeep P; Monika Sirothiya; and Reuben Buthello.
The application for the patent was published on September 25, 2026, under issue no. 39/2026.
Abstract: The present invention provides an AI-driven system for predicting financial risks and providing decision support in enterprises is presented. This system features a dynamic data ingestion pipeline that continuously gathers real-time market information, transaction behavior data, and unstructured qualitative inputs from multiple sources. At its core, the AI Decision Engine combines a natural language processing (NLP) module with machine learning predictive models and reinforcement learning agents to analyze the collected data and assess credit, liquidity, and operational risks in real time. The architecture utilizes a hybrid processing framework that integrates cloud computing, low-latency edge AI nodes, and a blockchain layer for secure audit logging. Additionally, the system autonomously performs financial operations such as adjusting credit limits dynamically and implementing automated risk management strategies while providing real-time alerts to human-operated visual dashboards to facilitate strategic decision-making within the enterprise. FIG.1
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